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2020.10.23 02:36 ammodotcom Gun Background Checks: How the State Came To Decide Who Can and Cannot Buy a Firearm

Gun Background Checks: How the State Came To Decide Who Can and Cannot Buy a Firearm

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Prior to 1968, most adults in the United States could purchase a firearm without state interference. Guns were available in local retail stores, as well as mail-order catalogs, and as long as you hadn’t been convicted of a felony and you had the funds, there weren’t any questions asked.
Things are different now. Depending on where in America you are and what type of gun you want to buy, there’s a good chance you’ll need to pass a NICS-mandated background check to complete your purchase.
Although many people hold a strong opinion for and against gun background checks, they’ve proven to be an integral part of the state's gun control apparatus – and they don’t appear to be leaving anytime soon.
Since background checks are such a requirement for today’s gun enthusiasts, it’s important for gun owners (and those who may someday be gun owners) to understand everything they can, including how the current system works and how it came to be.

The History of Gun Background Checks in the U.S.

The history of background checks for gun purchases reaches back to the first restrictions placed on individuals trying to purchase firearms. Here in the U.S., this occured after the Civil War, when several southern states adopted “Black Codes,” which replaced the prior slave codes and worked to suppress the freedoms of black Americans. Among other restrictions, the Black Codes forbade African-Americans from owning firearms.
The Federal Firearms Act of 1938 began restricting the sales of firearms, requiring those in the business of selling firearms to purchase a Federal Firearms License (FFL) and maintain a list of persons who purchased firearms, including their name and address. The Firearms Act of 1938 also listed convicted felons as the first prohibited persons – who are not allowed, by law, to own, purchase, or possess firearms.
And then something happened that would forever change American history. Six days before Thanksgiving, on November 22, 1963, President John F. Kennedy was assassinated by Lee Harvey Oswald in Dallas using a Mannlicher-Carcano rifle that was chambered in 6.5x52mm Carcano and fitted with a telescopic sight, which he'd purchased from a mail-order catalog.
The 1963 Kennedy assassination was followed by additional high-profile assassinations over the next 5 years:
February 21st, 1965: Malcolm X was assassinated by three members of the Nation of Islam who bull-rushed him on-stage during a speech in Harlem with a 12-gauge sawed-off shotgun and handguns chambered in .45 ACP and 9mm. X had publicly broken away from the Nation of Islam and was openly critical of its leader, Elijah Muhammad.
April 4th, 1968: Martin Luther King Jr. was assassinated by escaped convict James Earl Ray using a .30-06 caliber rifle in Memphis. The prior year Ray had broken out of the Missouri State Penitentiary by hiding in a bread delivery truck. Ray was a notorious escape artist and career criminal who used an alias when purchasing the rifle.
(After the assassination, investigators launched a sixty-five day manhunt for King’s assassin that led them across two continents and four countries which culminated in Ray's arrest at London's Heathrow airport where he was caught traveling on a forged Canadian passport. A decade later in 1979, Ray again broke out of jail - this time escaping from Tennessee’s most notorious maximum security prison, Brushy Mountain State Penitentiary, where he was serving a life sentence for King's assassination.)
June 5th, 1968: Two months after King's assassination in Memphis, Democratic presidential candidate Robert F. Kennedy (JFK's younger brother) was assassinated by Palestinian-born Sirhan Bishara Sirhan in Los Angeles using a revolver chambered in .22. Earlier that day, Kennedy had won the South Dakota and California presidential primaries. Sirhan claimed to be part of an occult organization called the Rosicrucians.
The cumulative effect of these assassinations - along with the emergence of the Black Panthers, who'd started hanging out at government buildings armed to the teeth - led to the Gun Control Act of 1968, which was specifically intended to keep “firearms out of the hands of those not legally entitled to possess them because of age, criminal background, or incompetence.”
Through the Gun Control Act of 1968, the federal government placed restrictions on the sale of firearms across state lines and expanded the prohibited persons who were not allowed to purchase or possess firearms. Under the new law, gun purchases became illegal for those who were:
  • Convicted of a non-business-related felony
  • Found to be mentally incompetent
  • Users of illegal substances
To determine this information, those who wished to purchase a firearm from an FFL had to complete a questionnaire of yes/no questions such as “Are you a convicted felon?” and “Are you a fugitive from justice?” Although these questions needed to be answered, they did not require verification from the gun seller.
In 1972, the Bureau of Alcohol, Tobacco, Firearms and Explosives (ATF) was formed as a way to help control the illegal sales and use of firearms.
In March of 1981, the assassination attempt of President Ronald Reagan led to further gun legislation with the Brady Handgun Violence Prevention Act of 1993, which amended the Gun Control Act of 1968 to now require background checks for the purchase of firearms from a retailer. The Brady Act, as it’s known today, also led to the development of the National Instant Criminal Background Check System (NICS), which launched in 1998, and is the current law on background checks for gun purchases in the U.S.

The National Instant Criminal Background Check System

The National Instant Criminal Background Check System (NICS) was mandated by the Brady Handgun Violence Prevention Act of 1993, and was launched by the FBI on November 30, 1998. The NICS is used by FFLs to check the eligibility of those who wish to purchase firearms.
Located at the FBI’s Criminal Justice Information Services Division in Clarksburg, West Virginia, the NICS is currently used by 30 states and five districts, as well as the District of Columbia, to check the backgrounds of those who wish to purchase firearms. Those states that opt not to use the NICS have their own point of contact (POC) to complete background checks.
The NICS applies a person’s identifying characteristics, including name and date of birth, to its own index, as well as the National Crime Information Center (NCIC) database and the Interstate Identification Index. These systems compare the intended purchaser’s demographic information against the national databases to see if they match someone deemed a prohibited person. Prohibited persons include those who are or were:
  • Convicted of a crime punishable by imprisonment for a year or more
  • Fugitives from justice
  • A user of or addicted to a controlled substance
  • Adjudicated as a mental defective or been committed to a mental health institution
  • Illegal aliens
  • Aliens admitted to the U.S. under a nonimmigrant visa
  • Discharged from the U.S. Armed Forces under dishonorable conditions
  • Renounced their citizenship to the U.S.
  • Subject to a court order that restrains their interactions with an intimate partner or child
  • Convicted of domestic violence
Since its conception, NICS has completed over 300 million background checks and has issued more than 1.3 million denials. The NICS is available 17 hours a day, seven days a week, except for Christmas Day.

How Do Background Checks Work?

When you visit a gun store and attempt to purchase a firearm, you must complete a Firearm Transaction Record, or ATF Form 4473 – which requires the intended purchaser’s name, address, and birthdate. The form also requires a government-issued photo ID and asks questions regarding the individual’s appearance, including height and weight.
Once the form’s completed, the gun seller can either call the 1-800 number for NICS or use the online system to run the background check. In over 90 percent of the cases, the results are almost immediate, with the system either approving, delaying, or denying the purchase within minutes.
With an approval, the sale can immediately proceed as planned with you purchasing the firearm. If there is a delay, the NICS and FBI investigate the inquiry over the next three days. If the FFL does not hear anything within that time period or if a determination cannot be made, then the retailer can, but does not have to, continue with the firearm transfer. When this occurs, it’s often referred to as a “default proceed” sale.
When a denial is made, which occurs in only about 2 percent of background checks, the retailer is unable to sell or transfer the firearm to the individual in question. You must submit a request to the NICS to receive the reason for your denial, the most common of which is a history of a felony conviction.
If you believe you were given an erroneous denial, you can appeal the decision by completing a Voluntary Appeal File (VAF), which can be done online or by mailing your request to the FBI. Along with the VAF application, you will also need to be fingerprinted to move forward with the appeal process.

When is a Background Check Needed to Purchase a Gun?

A background check is necessary any time you purchase a gun from a retail provider, which is defined as someone conducting business in the sale of firearms. These sellers must have a Federal Firearms License (FFL) and are legally mandated to complete a background check for every firearm sold to a non-licensed individual.
It doesn’t matter if you purchase the firearm in a brick-and-mortar store, a gun show, online, or through a magazine – if the seller is a retailer provider (i.e. has an FFL), then the background check must occur.

When is a Background Check Not Needed to Purchase a Gun?

Under federal law, any adult can sell a personally owned firearm to another adult in the same state as long as you know, to the best of your ability, that they’re allowed to own a firearm.
Private sellers aren’t required to ask for identification, they don’t have to complete any forms, nor keep any records of the transaction. What’s more, federal law does not mandate a background check to purchase a firearm from a private seller. This includes buying a gun from a relative, a neighbor, or a friend.
Although federal law does not demand a background check for the private sale of firearms, some states do require a background check.
If you inherit or are gifted a firearm, you don’t need a background check.

Do Gun Background Checks Differ By State?

Thirty states, five districts, and D.C. all rely solely on the NICS for gun background checks. The following 13 states use their own full point of contact (POC) data system for gun background checks and do not use the FBI’s system:
Some states, namely Maryland, New Hampshire, Washington, and Wisconsin, use NICS for long guns, but a state program for background checks on handguns. Iowa, Nebraska, and North Carolina use NICS, but have a partial POC for background checks in relation to handgun permits.
Many of these states have added their own provisions to their background checks, on top of what federal law mandates. In most cases, they also include looking at state and local records to determine if the person in question should or should not be allowed to own a firearm.
Some states have implemented universal background checks via an FFL, even during a private gun sale. While Maryland and Pennsylvania require background checks for all handgun transfers, regardless of retail or private sale, the following states require a background check for all firearm transfers:
In addition, some states require permits to purchase firearms. Hawaii, Illinois, and Massachusetts require a permit for all gun purchases, while Iowa, Michigan, Nebraska, and North Carolina require a permit for purchasing a handgun. These permits often require their own background check as well.
It should be noted that although these laws exist in Nebraska, they’re not currently being enforced, but are expected to be by January of 2020.

But Isn’t There a Gun Show Loophole?

There is no gun show loophole when it comes to background checks for gun purchases. The law clearly states that if you purchase a firearm from a person with an FFL, a background check must occur. If you purchase a gun from a private seller, you don’t need a background check. These same two principles apply whether you’re at a gun show or not.
So if you purchase a firearm from a gun seller with an FFL at a gun show, you will need to complete Form 4473 and have a background check. Under federal law, if you purchase a gun from a private seller at a gun show, you don’t need to have a background check. Your state laws may differ.
Of the average 4,000 gun shows in the U.S. each year, it’s estimated that 50 to 75 percent of vendors have an FFL, and therefore require purchasers of firearms to complete background checks. But that doesn’t mean that 25 to 50 percent of vendors are private sellers of firearms – many of these are vendors that sell gun paraphernalia. Gun shows are filled with vendors who sell everything from t-shirts and ball caps to holsters and concealed carry gear, and it’s these sellers that make up the majority of the remaining non-licensed vendors.
Are there private gun sellers at gun shows? Absolutely. But the idea that criminals are flocking to gun shows to illegally purchase firearms is untrue. In a report by the Bureau of Justice Statistics, only 0.7 percent of convicted criminals purchased their firearms at gun shows.

Have Background Checks Stopped Gun Violence and Crimes?

The research on the effectiveness of background checks to stop gun violence shows conflicting evidence. In an October 2018 published study completed by U.S. Davis and Johns Hopkins Bloomberg School of Public Health, in the 10 years following California’s comprehensive background checks, the number of gun homicides and suicides were not impacted. In a similar study published in July of the same year, gun violence did not increase with the repeal of comprehensive background checks.
Yet other studies show that background checks do reduce violence. A 2015 study found that requiring Connecticut handgun owners to go through a background check led to a 40-percent decline in gun homicides and suicides over a 10-year period.
This contradicting research shows that the problem of criminals getting their hands on guns can’t be stopped by mere background checks. According to the Department of Justice Special Report on Firearm Violence, 77 percent of state prisoners associated with firearm crimes received their firearm through:
  • Theft
  • Black market
  • Drug dealer
  • On the street
  • Family or friends
Not one of these criminals would have been affected by background checks, universal or otherwise. After all, most criminals don’t feel obligated to use legal means to obtain their firearms since they've either broken laws previously or plan to do so.
Beyond theft and the black market, criminals also use straw purchases, which are illegal, to get their hands on firearms. Straw purchasers are people who can pass a background check and intentionally purchase firearms for criminals. The San Bernardino terrorists used a straw purchaser to get the firearms they used to kill 14 people in the 2015 mass shooting.
Background checks for gun purchases often become a talking point after these types of events, but those who partake in this terroristic activity often don’t have criminal histories that would flag a background check. For instance, the Virginia Tech madman legally purchased a gun at a Virginia-based FFL and passed his background check before using it to shoot fellow students.
And then there’s the fact that sometimes the background check system fails. NICS is not a 100-percent absolute system, and time has shown that gun background checks can only be as reliable as the records they contain. Devin Kelley, the Texas Church madman, was prohibited by law to own or purchase a firearm because of a domestic violence conviction while in the Air Force. Yet Kelley purchased four firearms between 2014 and 2017, completing Form 4473 and being approved each time by NICS.
In this case, the Air Force failed to report the court martial to the FBI’s National Crime Information Center, which the NICS relies on for information. So, again, the system is only as good as the information it contains.
(It's also worth pointing out that Kelley's murderous rampage was stopped by a private citizen, a plumber named Stephen Willeford, who legally owned an AR-15. Kelley was shot in the leg and torso by Willeford, stopping him from murdering more people inside that church before the police could arrive.)
And whereas sometimes the system on which gun background checks rely is incomplete, in other instances it produces false positives. In other words, law-abiding citizens get incorrectly matched by NICS, or their respective state-level POC data system, with criminals who have similar names. And if that happens to you, then you could be denied your right to own a gun because of a bureaucratic error. Estimates from the Crime Prevention Research Center pointed to 93 percent of initial NICS denials turning out as false positives in 2009, with similar estimates in 2010. (The Obama administration quit reporting these statistics after 2010.) Yes, individuals can appeal this denial and restore their gun rights, but dealing with bureacracy can be an expensive hassle.
The myriad of issues with NICS is why the National Shooting Sports Foundation (NSSF), a trade association representing the firearms industry, launched FixNICS.org in 2013. It is also why the NSSF publishes a yearly ranking of the states based on the number of mental health records they provide relative to their population – to encourage the states to comply with existing federal law, and submit any and all records establishing an individual as a prohibited person to the FBI's databases. Their goal is to improve the existing system for everyone so that gun background checks are more accurate and complete.
Whether you like them or not, background checks are here to stay for gun owners and gun purchasers – but they are not the saving grace that some make them out to be. Background checks for gun purchases can only do so much and are not the permanent solution to keeping guns out of the hands of criminals and keeping Americans safe from gun violence. More concerning is that they give the state an ever-growing list of private citizens who own guns, and such a list has historically been used for subsequent gun confiscation attempts.
Gun Background Checks: How the State Came To Decide Who Can and Cannot Buy a Firearm originally appeared in The Resistance Library at Ammo.com.
submitted by ammodotcom to secondamendment [link] [comments]


2020.10.20 18:36 RobertGOTV GO VOTE IN WISCONSIN! EARLY AND IN PERSON!

Vote early

Wisconsin voters can vote before Election Day through a process called absentee in-person voting. The period for absentee in-person voting runs from Tuesday, October 20, 2020 to Sunday, November 1, 2020, but dates and hours may vary based on where you live.

What to bring

Where to vote

Find your local polling place: https://myvote.wi.gov/en-us/FindMyPollingPlace
Please make sure to call and verify their hours and confirm any covid requirements.
submitted by RobertGOTV to donaldtrump [link] [comments]


2020.10.19 17:03 Euronotus Epsilon (27L - Northern Atlantic)


Latest news

Last updated: Thursday, 22 October 11:15 PM AST (03:15 UTC)

Epsilon continues to weaken as it pulls away from Bermuda

Satellite imagery analysis over the past several hours indicates that Epsilon has continued to weaken as it makes its closest approach to the east of the island of Bermuda this evening. While animated infrared imagery depicted Epsilon's eye peeking out from beneath the compact central dense overcast earlier this evening, the eye has since disappeared from view. The inner core of the cyclone remains embedded within the center of a broader extratropical system, with a broad band of deep convection wrapping around the northern and western sides of the cyclone's circulation. The upper-level reflection of this system continues to produce very favorable outflow conditions for Epsilon and has largely shielded the cyclone from very dry mid-level air.
Intensity estimates derived from satellite imagery analysis indicate that Epsilon has steadily weakened this evening. Maximum one-minute sustained winds near Epsilon's low-level center have decreased to 75 knots (140 kilometers per hour) over the past six hours. While Epsilon's field of hurricane-force winds remains fairly small, the cyclone continues to produce an expansive field of tropical storm-force winds reaching as far outward as 240 miles (390 kilometers) to the southeast, 210 miles (330 kilometers) to the northwest, and 140 miles (220 kilometers) to the southwest of the low-level center. Observational data from the Bermuda Weather Service indicate that tropical storm conditions continue across portions of the islands this evening.
Hurricane Epsilon has slowed down somewhat throughout the evening as it continues to move north-northwestward between a weak mid-level ridge situated over the eastern coast of the United States and a stronger subtropical ridge situated to the east over the central Atlantic.
Latest data NHC Advisory #17 11:00 PM AST (03:00 UTC)
Current location: 32.6°N 61.6°W 188 mi (302 km) ENE of Hamilton, Bermuda
Forward motion: NWW (345°) at 8 knots (15 km/h)
Maximum winds: 75 knots (140 km/h)
Intensity: Hurricane (Category 1)
Minimum pressure: 968 millibars (28.59 inches)

Forecast discussion

Last updated: Thursday, 22 October 11:15 PM AST (03:15 UTC)

Tropical storm conditions should subside later tonight

As Epsilon continues to pull away from Bermuda overnight, strong winds will begin to gradually subside, with tropical storm conditions no longer expected by Friday morning. A combination of dry mid-level air and cooler sea surface temperatures have been weakening the cyclone throughout the evening. The cyclone is expected to pass over a slightly warmer ocean surface over the next day or so as it encounters a small warm eddy along the fringes of the Gulf Stream current to the north of Bermuda.
This may lead to a brief period of reintensification; however, as Epsilon becomes increasingly entangled within stronger mid-latitude southwesterly flow, it is expected to begin transitioning into a powerful extratropical cyclone. Epsilon is expected to complete this process over the weekend and ultimately become absorbed by a larger extratropical system over the north-central Atlantic on Sunday.

Official Forecast

Last updated: Thursday, 22 October 11:00 PM AST (03:00 UTC)
Hour Date Time Intensity Winds - Lat Long
- - UTC AST - knots km/h ºN ºW
00 23 Oct 00:00 20:00 Hurricane (Category 1) 75 140 32.6 61.6
12 23 Oct 12:00 08:00 Hurricane (Category 1) 80 150 33.8 61.6
24 24 Oct 00:00 20:00 Hurricane (Category 1) 80 150 35.8 61.6
36 24 Oct 12:00 08:00 Hurricane (Category 1) 80 150 37.8 60.6
48 25 Oct 00:00 20:00 Hurricane (Category 1) 75 140 40.5 56.9
60 25 Oct 12:00 08:00 Hurricane (Category 1) 70 130 44.3 50.0
72 26 Oct 00:00 20:00 Extratropical Cyclone 65 120 48.4 41.0
96 27 Oct 00:00 20:00 Dissipated

Official information sources

National Hurricane Center

Advisories

Discussions

Graphics

Bermuda Weather Service

Radar imagery

Bermuda Weather Service

Satellite imagery

Floater imagery

Visible imagery

Infrared imagery

Water vapor imagery

Multispectral imagery

Microwave imagery

Multiple Bands

Regional imagery

Analysis graphics and data

Wind analysis

Scatterometer data

Sea surface temperatures

Model guidance

Storm-Specific Guidance

Western Atlantic Guidance

submitted by Euronotus to TropicalWeather [link] [comments]


2020.10.18 01:54 Meelashooman Review: Purchase near Tacoma WA

On July 4th of 2020, I purchased a car from Carvana. Just over three months later, the purchase is finally complete. Since several people are having issues with Carvana, and I've only found one or two posts from Washington State I thought I'd share my experience and things I learned along the way. To set the scene, I live in Pierce County and this is a third car for a three-driver family. We were not in dire need of the car at this time since two of us are mostly working from home (COVID), but we decided this was a good time for us to make a purchase. It may also help to know that I am an extremely patient person and friendly. I mention this to say that I kept all my conversations with Carvana and involved parties professional and courteous which seemed to help.
The Purchase: As I said, on July 4th weekend I purchased a low mileage 2012 Fiat 500 Sport from Carvana, using their in-house financing (Bridgecrest). The whole purchase took 20 minutes. *First Tip\* Save the car to your favorites, I had to refer to this page several times over the next few months. As part of the process, you have to speak with a Carvana representative to verify some items. While they state they will call you within a few hours, I ended up having to call them the next day. They did ask me about the extended warranty and gap protections, but did not do a hard sell. *Next Tip\* The warranty company is Silver Rock. This is the same company that backs the 100-day limited warranty and will handle any post delivery issues. I suggest you research them, mainly to find out where you can go for service. In my area, there are not many places and all are chain-stores.
Once the call was done, I received emails to let me know everything was complete and given a rough delivery date that was 10-14 days out. *TIP\* your sale paperwork will be available electronically. This is the only time you will get to see it so make copies as you may need it later. The car would be coming from Southern California to me. *Tip\* If you are an "out-of-area" delivery, you can fly to the Carvana location to pickup your car and they will reimburse your air-fare and taxi fees UNLESS your car is in California. California does not allow this to be done for out-of-state purchases and not all Carvana employees know this. I could have asked to pickup the car in Arizona and done this.
The Delivery: On day 12 I was notified via text that my car would be delivered the next day. I had gotten no updates or contact until then. On this same day, I received a FedEx overnight envelope with paperwork (to be completed on the last day of the "two-week" trail period) and my 45 day Georgia temporary plate. My actual two-week trial period was dated incorrectly, so it ended up actually being three weeks. The car arrived the next evening at 10pm on a roll-back wrecker. The driver (not a Carvana employee) did keep in contact throughout the day and did offer to deliver it the next morning but that didn't fit my schedule. The car arrived DIRTY, I mean really dirty. You could not see through the windows and the driver's seat was stained. It looked like it had been coated with some type of detailing spray that collected every speck of dirt from California to Washington. The driver had no paperwork (other than his bill of lading and inspection paperwork) but was friendly. A few minutes later the car was safely tucked in my garage. *TIP\* with out-of-area delivery you must take delivery of the car. Even if you see an issue immediately and want to return the car, you have to call Carvana and they will send another truck to get it at a later time. ALSO, keep the delivery drivers inspection report, it may come in handy later.
Post-delivery: The next morning, I washed the windows and took the car to a self-serve carwash to attempt to get it cleaner. It helped, but a full detail was going to be needed. I inspected the car and found some undisclosed cosmetic damage. In the glove compartment I found Carvana's paperwork from when they bought and refurbished the car. Comparing this paperwork I learned some things: -I had paid $9990.00, Carvana had paid $4082.00 for it and spent another $541.60 in refurbishment costs. -They had inspected the car, but while their inspection revealed the brake pads and tires were serviceable, two of the tires and the brake pads required replacement. -One of the undisclosed damage items was "repaired" by their shop (by attempting to glue a trim item back on the car that was broken). That repair failed quickly. -The delivery driver inspection report listed the undisclosed damage.
I called Carvana with my findings, and they asked me to take pictures of the damage and submit them. I did so, along with a writeup explaining the pictures and damage. To be fair, I did not ask for the tires and brakes to be taken care of. I could have done so, but I had plans for upgrades in these areas. It took about 48 hours for Carvana to authorize the repairs, and SilverRock handled them through a local body shop that did an excellent job. In all, the repairs took a week and the invoice for the repairs totaled $4398.69. Also, during this call, Carvana apologized for the condition of the car (DIRTY) and promised to send a check for $100.00 to cover cleaning. About two weeks later a check for $50.00 appeared, and the next day another check for $100.00 appeared. For those keeping score. Carvana now had $9172.29 invested in this car.
Trial period: The trial period went well, and on the designated date I completed the paperwork and sent it to Carvana. *TIP\* MAKE COPIES OF THIS PAPERWORK!! You may not see it again, and it will be helpful if you have any issues. *TIP\* if there are cosmetic issues, the trial period is the only time you will be able to get these fixed by Carvana. Address them quickly and stay in contact until they are authorized. Carvana does not want you to return the car, they would rather do anything they can to keep you in it.
Registration: This is where the process got painful. My temporary plates expired the last week of August. One week prior I started calling Carvana daily asking where my plates were. This is time consuming, I waited on hold one-hour each time and was often disconnected while speaking with someone (they didn't hang up, their people are working from home and their VOIP phones suck.) *TIP\* Be-friendly, everyone I spoke to was nice and they were giving me the best info they had (even though it was wrong). Also, make sure they get your phone number right away and ask them to call you back if the call disconnects (they will). One employee had to call be back 7 times due to disconnects, and I kept him calm because it was obviously frustrating him. On the first two calls, I was told that the paperwork was sent to my states DMV (DOL actually) for processing already.
I called Washington State DOL in Olympia, and when I told the person I had bought a car from Carvana she sighed. She had helped other people with Carvana Registration issues. I asked her for any advice she could share, and she was most helpful. Washington State once had trouble with people buying cars in other states tax-free, and then registering them in Washington without paying taxes. For this reason, they have very strict rules on auto purchases, out-of-state tags, and fees. Additionally, Washington State DOL does not actually process tags and registrations, this is done by independent sub-agents. Washington also requires any vehicle purchased to be registered within 30 days (or at least in process) and they do not honor expired out of state registrations PERIOD. No COVID extensions. Also, Carvana is not a registered Washington State car dealer, so Washington's enforcement options are limited against them. The DOL agent was able to verify that my vehicle was not in their system, and was still titled and registered in Wisconsin (original owner). *TIP\* Learn your states rules on car-registration.
Registration Escalation: Armed with this info, I re-contacted Carvana. The person dug into the problem and found out my paperwork was still with their third-party processer in New York State. She apologized, but also stated they could not give me another temporary plate. *TIP\* At this time I submitted a BBB Complaint and filed a complaint with the Washington State Attorney General's office.
Temporary Solution: Remember all that paperwork I suggested you keep? Washington can issue a 60 day temporary plate while paperwork is being sorted out, but you must pay all taxes and fees up-front to get it. Armed with my paperwork which detailed out the Washington State taxes and fees I paid, I went to my local tag office. I briefly and very, very politely explained the situation and asked if they could assist. The very helpful person looked over my paperwork, saw that I had paid the taxes and issued me a 60 day temporary plate (good until late October). I did have to pay some fees ($187.00) but she also gave me a form to fill out to get some of them reimbursed.
The Complaints: Remember the BBB and the State Attorney General complaints? After the BBB complaint (which processes quickly) Carvana made contact me and promised to fix the issue. They also sent me another $100.00 check for my trouble. The replied to the BBB and basically agreed with everything in my complaint. With the BBB, Carvana only has to reply to the complaint (not resolve it) to keep a good rating. The State Attorney General complaint was another matter. In mid-September I received a reply from their office telling me there was not much they could do, but they would formally contact Carvana and demand an explanation and attempt to help me. I think this worked, very shortly there-after Carvana contacted me regularly with updates and sent me a Arizona temporary plate good until mid-November. My permanent plates arrived on October 16th!!!
Miscellaneous Thoughts: My car ended up being very nice after fixing the issues and getting it detailed. I'm happy with it and not un-happy with Carvana. While there were issues with the car, they stood behind it. Their employees were friendly and professional. The registration is a different story. Their third-party registration services are horrible and they need to fix this NOW. At the end, excluding fees and their overhead Carvana has $9272 invested in the car they sold to me for $9990. The sale lost them money, but they will recoup some in the financing (I didn't do any warranties with them). Speaking of Financing, Bridgecrest didn't give me the best rate so I'll be re-financing soon. They did call me to review the loan and they were quite friendly and helpful.
Summary: Would I buy from Carvana again? Maybe. Would I suggest them to a friend? Also maybe. Your needs and experience will obviously vary from mine, and for every bad review there is a good one also. If you live close to one of their locations, I suspect you will have a good experience. If you are out-of-market, you may have an experience similar to mine. To be very honest, I have purchased a lot of cars in the past 30+ years, and I found the online experience to be great! The registration process is the only reason I would hesitate to make another purchase or recommend Carvana.
Good luck! I hope this information is helpful to you, and if you managed to hang in there and read it all thank you!
submitted by Meelashooman to carvana [link] [comments]


2020.10.15 06:00 pfeifer1982HC FujiFilm - Cynata's First Licensee Of Its Lead Product CYP-001 In GvHD

FujiFilm - Cynata's First Licensee Of Its Lead Product CYP-001 In GvHD
The terms
According to the ASX announcement dated 17 September 2017 the terms are as follows:
FujiFilm Holdings Corporation (FujiFilm) is granted an exclusive, worldwide license to develop and commercialise Cynata Therapeutics (Cynata) lead mesenchymal stem cell (MSC) product, CYP-001, for the prevention and treatment of GvHD in human so Cynata will receive US$3m cash from Fujifilm as an upfront fee. [note pfeifer1982HC: prompting a payment of US$10,000 to Wisconsin Alumni Research Foundation (WARF) as part of the license agreement with Cynata, see below]
o Fujifilm will bear responsibility for all costs of any further product development activities in relation to GvHD, along with responsibility for regulatory submissions and commercialisation.
o The non-dilutive upfront payment of US$3m will lengthen Cynata’s cash runway and support further investment in the upcoming Phase 2 trials in critical limb ischemia (“CLI”) and in osteoarthritis, along with other potential future clinical programs.
o Cynata will potentially receive additional future milestone payments from Fujifilm totalling up to US$43m based on successful attainment of certain industry standard product development and commercial milestones, the first of which is US$2m on completion of the first Phase 2 clinical trial in USA, UK or Japan. Subsequent milestones are completion of Phase 3 clinical trials (US$3m), submission of applications for regulatory approvals (US$12m), acceptance of geographic marketing authorisations and first sales (US$16m) and extending the indication (US$10m). [note pfeifer1982HC: of which 30% will likely be payable to Wisconsin Alumni Research Foundation (WARF) as part of the license agreement with Cynata, see below]
o Cynata will receive a 10% royalty on all future product sales if the licensed product is successfully commercialised in any country in which any licensed patents are granted or pending. o Having sub-licensed certain patent rights licensed-in from the Wisconsin Alumni Research Foundation (“WARF”) in respect of Cynata’s Cymerus™ technology to Fujifilm, Cynata will be required to make a one-off cash payment to WARF of US$10,000. Cynata is also required to pay WARF a mid-single digit percentage royalty on Fujifilm product sales and 30% of other amounts received from Fujifilm, including in respect of milestone payments.
o Both Fujifilm and Cynata have rights to terminate the license under certain conditions such as material breach and bankruptcy and failure to use reasonable efforts to achieve certain specified milestones. The agreement also includes limited mechanisms for potential royalty adjustment on termination of the WARF Head License, entry of a generic competitor or in-licensing third party enabling technology.
• Fujifilm and Cynata will enter into a separate agreement for the supply of product by Cynata for certain future product development activities at cost plus a moderate doubt digit manufacturing margin
• The endorsement by Fujifilm of Cynata’s Cymerus platform supports the continued commercialisation of Cynata’s cell therapeutic products in other indications, including CYP002 for critical limb ischemia (CLI) and CYP-004 for osteoarthritis
To facilitate Cynata’s ongoing partnering efforts certain amendments have been made to the license agreement between Cynata and WARF, particularly in relation to sub-sublicensable sub-licenses under the WARF patents and extending certain interim development milestones, whilst not changing the current milestone for obtaining approval from the U.S. Food and Drug Agency (or an equivalent foreign agency) in 2026.
[The last paragraph provided an explanation on the delay back in March, when the Licence Option was meant to be executed]

A deal that required a lot of patience from investors
In September 2016, FujiFilm and Cynata signed a Non-binding Development and Commercialisation Term Sheet. It anticipated that, under a definitive agreement, Cynata will grant FUJIFILM an option to an exclusive, worldwide licence to market and sell Cynata’s lead MSC product for prevention and treatment of graft-versus-host disease (GvHD), as well as (a) an option to negotiate a licence for manufacturing those products, and (b) certain rights to Cynata’s proprietary Cymerus™ technology for the prevention and treatment of other diseases.
FujiFilm even provided an earnings projection CYP-001 in GvHD back in their December 2016 presentation. Unfortunately, I can't get my hands on the that presentation anymore, as the FujiFilm website has been re-done since and my original link is now dead.
The much anticipated FujiFilm announcement in January 2017 caused a bit of disappointment amongst investors, as FujiFilm didn't sign a licence agreement, instead FujiFilm and Cynata signed a Development and Commercialisation Partnership Agreement aka a Licence Option Agreement to an exclusive, worldwide licence to market and sell Cynata’s lead MSC product, CYP-001, in the field of prevention and treatment of graft-versus-host disease (GvHD). As part of that, FujiFilm also took a A$3.97 million strategic equity stake in Cynata.
Over the next two years, FujiFilm wasn't shy of having its representatives talk to various newspapers. It was a bit surreal, as it sounded like they have already taken up the license, when in fact it was "only" an option to take it up.
January 2017, Junji Okada, Director, Corporate VP & GM of Corporate Planning Headquarters and Pharmaceuticals Products Divs., FujiFilm Holdings Corporation, in an interview published in "Weekly Diamond"'s January Edition with the title "FujiFilm pushing into regenerative medical business" (sorry, my links are dead but against a few that article is still available via their website):
"[...]
Get a challenge right to become a main player
We have elemental technologies cultivated with film. In the field of regenerative medicine, there are no companies in the world who have established a firm position yet. As a pharmaceutical manufacturer, we are "chase after". Even if imitating after the major and keeping up, profitability is not good and efficiency is bad. If you go out early in areas where no one is doing, you will gain the challenge of becoming a main player.
We are steadily striking the foundation necessary for regenerative medicine . Mostly it is acquisition. We are holding down all three major elements (cell, medium, scaffold) in regenerative medicine. I think that business can be deployed comprehensively just by regenerative medicine. Then you get inquiries from various places and information comes in, so you can further lead the industry.
- I am aiming for the first domestic company trial in transplant medical treatment using iPS cells in 19 years.
It is the impression that we are finally getting into the stage of business. Since I do it, I want to honor the first domestic. There is also a pride that it is a top runner in the field of regenerative medicine.
[...]
Earn "one-third" in healthcare centering on regenerative medicine
[...]
- The policy of M & A in the future.
Whether there is synergy or not is not important, but it is important. We will continue to focus on focusing areas such as image diagnosis and regenerative medicine.
- Healthcare is currently about 20% to Fujifilm HD sales. If regenerative medicine is going to grow steadily in the future, Fujifilm may be called a "medical company" day.
Other business will grow as well (laugh). I will not say how many years, but I will aim at healthcare to account for about one-third of HD sales."
To avoid altering any facts, I did not make any changes to the spelling, wording etc. What you see is exactly how it got translated using Google Translate.
In September and October 2018 FujiFilm talked to Nikkei Asia, leading to two separate articles to then be published:
Two great articles with lots of information regarding the technology, anticipated timeline/s, market opportunity, Cynata's Phase 1 trial, FujiFilm's plans in the US etc., way too much to quote on here.
Still in October 2018, an article with the title iPS-derived mesenchymal stem cells, next year at the prospect Japan-US clinical trial Fujifilm, etc. was published on nikkan.co.jp stating the following:
"The MSC used in Phase 2 trials is supplied from the United States, but in the future, it is also considering production at Japan Tissue Engineering (J-TEC) of the Fujifilm Group."
Also, in October during an FCDI presentation at The Cell & Gene Meeting on the Mesa, Nick Manuso, Senior Vice President FujiFilm Cellular Dynamics, Strategy and Business Development, had the following remarks on his presentation slides:
"Leading the field of breakthrough cellular therapies using induced pluripotent stem cells (iPSCs)
- Phase II - Graft Versus Host Disease with Cynata Therapeutics [...]"
together with a comment of Cynata's CEO Ross Macdonald at the top right corner (1:10 mins). To watch the presentation on YouTube, click here.
Ken-ichiro Hata, Deputy Director BioScience & Technology Development Center, Fujifilm Corporation Japan Tissue Engineering Co., Ltd. (J - TEC), Representative Director and President, for example in December 2018 said the following:
"There are many walls that must be overcome in order to make organs from iPS cells, but research and development of cell therapy using iPS cells is progressing steadily. CDI also supplies iPS cells to the Australian regenerative medical venture in the Fujifilm Group and contributes to the world's first iPS cell clinical trial in the UK. This is to inject a mesenchymal stem cell (* 3) made from iPS cells and treat it for patients with complications that occur after leukemia bone marrow transplantation. And Fujifilm will do the same clinical trial in Japan, as a company in 2019 for the first time. If approval from the country is obtained, I would like to sell it to medical institutions as a formulation."
Also in December 2018, FujiFilm was quoted saying:
Fujifilm announced on Wednesday that it will establish a facility for production of artificial pluripotent stem cells (iPS cells) for treatment in Wisconsin State, USA. Investment amount is about 2.5 billion yen. It is intended to accelerate the development of regenerative medicine products using iPS cells and to operate it in FY 2019.
Fujifilm plans to apply for a clinical trial (clinical trial) for obtaining approval of transplantation medicine by iPS cells from the country in Japan during FY 2018. We plan to conduct clinical trials in the United States.
A US subsidiary is set up as a production facility, and introduction of cultivation equipment and so on corresponding to the quality control standards of US authorities. Rapidly develop regenerative medical products in the fields of Parkinson's disease, heart disease, cancer by iPS cells produced. We also assume production contracts from other companies.
In January 2019 FujiFilm mentioned Cynata and its Phase 1 clinical trial in GvHD a total on a total of five pages across their presentation with the title Pharmaceuticals, Bio CDMO and Regenerative Medicine Business:
Source: FujiFilm Holdings Investor Presentation 15 January 2019
Source: FujiFilm Holdings Investor Presentation 15 January 2019
Source: FujiFilm Holdings Investor Presentation 15 January 2019
Source: FujiFilm Holdings Investor Presentation 15 January 2019
Source: FujiFilm Holdings Investor Presentation 15 January 2019
Cynata's unofficial anthem among investors at the time was Beyonce's "If you like it then you should have put a ring on it"...
Whilst the licence option agreement is with the parent company FujiFilm Holdings, we still had the existing partnership with FCDI, who also mentioned us when announcing an investment of US$21 million to open a new cGMP-compliant*1 production facility with the goal of industrializing iPS cell manufacturing for regenerative medicine therapies.
FujiFilm decided to also advertise the world's first clinical trial using iPS cells a few times in Science Magazine a few times, here is a sample of the full page advertising from March 2019:
Source: Science Magazine Digital
After the initial "deadline" for the Licence Option Agreement to run out in March 2019 and Doomsday Preppers start hording food and toilet paper preparing for the End of the World as we know it, Cynata extended the Option Agreement (see ASX announcement here and here) to then finally execute it on 17 September 2019 with the terms outlined above (praise the Lord...).
A few months before, 4 July 2019 to be exact, FujiFilm released its latest "NEVER STOP" campaign commercial. At 1:56 min you can see the Cynata world-first reference (English translation at the very bottom).
In October 2020 FCDI updated its website. Although FCDI is not the licensee of our technology and therefore CYP-001 does not (currently) form part of FCDI's own pipeline, Cynata now gets a mention there under partnerships:
Source: FujiFilm Cellular Dynamics

Background on CDI
FujiFilm has entered this space with a BANG the year before (30 March 2015), by announcing to acquire Cellular Dynamics International, Inc.'s (CDI) - a leading developer and manufacturer of fully functioning human cells in industrial quantities to precise specifications - issued and outstanding shares of common stock for US$16.5 per share or approximately US$307 million (on a fully diluted basis). The offer represented a premium of 108% to CDI's closing price on 27 March 2015.
The Story Behind Cellular Dynamics’ Sale to Fujifilm is one of a leader in a newly establised space (more info here), founded in 2004 by University of Wisconsin-Madison professor and stem cell pioneer James Thomson. that has built a steady business manufacturing living human cells in massive quantities. The technology is based on induced pluripotent stem cells: taking tissue from donors, CDI’s scientists coax the cells back to an embryonic-like state, then direct them to turn into desired cell types such as neurons and heart, liver, and retinal cells. The technology has applications in drug toxicity testing, cell banking, and the development of experimental cell-based therapies that could in theory heal or regrow body parts.
Despite showing increasing revenue, CDI was still in the red. With the pressure of having to repay a credit facility mounting and having all other options already explored, it was FujiFilm's opportunity to step in and up with what was deemed a more or less satisfactory offer given the current circumstances.
The acquisition was finalised in May 2015.

The perfect partner
Fujifilm, founded in 1934, has transformed itself into a company covering prevention, diagnosis, and treatment. As a comprehensive healthcare company, Fujifilm therefore saw the revolutionary treatments that regenerative medicine could offer as a key part of its mission.
An important factor in Fujifilm’s decision to enter this field was the company’s extensive portfolio of technologies, many of which seemed applicable to regenerative medicine. One example is photographic film, which was Fujifilm’s core product at the time of its foundation and for many years thereafter. Film is a precision chemical product that integrates color-producing reagents and nearly 100 different chemical compounds in total in an ultra-thin layer just 20 micrometers thick. To produce photographic film requires technologies that control many different chemical reactions on a microscopic scale. By coincidence, 20 micrometers is about the diameter of a single liver cell. Fujifilm’s technologies for controlling microenvironments appeared to have extraordinary potential in the world of regenerative medicine.
Fujifilm also possessed a wealth of knowledge about collagen, a protein that is one of the main components of photographic film. In regenerative medicine, collagen plays a critical role in growing cells and restoring tissues. To fulfill demand for the highest quality photographic film possible, Fujifilm had refined a wide range of collagen-based technologies, including methods for processing and controlling the protein, which is extremely sensitive to such environmental parameters such as moisture and temperature. Fujifilm saw a clear opportunity to leverage its collagen technologies in this exciting new field.
After its acquisition of Cynata's sister company CDI back in 2015, FujiFilm is leveraging world-leading iPSC development and production technologies to create an iPSC bank that comprises iPSCs for use in researching various diseases and conditions, which put them in a unique position to evaluate Cynata's Cymerus™ manufacturing platform as it utilises the very same iPSCs manufactured by their (now) subsidiary CDI through a licensing agreement with Cynata back in September 2014.
Having access to information that is not in the public domain, hence also not available to other companies in this space. Aiming to be recognized worldwide as a leader in regenerative medicine, Fujifilm will continue to move forward with this extremely important challenge and given that they are considering iPSCs to be the key to regenerative medicine, it came as no surprise that FujiFilm was the first one to make a move to become our licensee (CYP-001 in GvHD) in addition to also being the supplier of the iPSC starting material for Cynata's Cymerus™ MSC manufacturing platform. MSCs are among the most frequently used cell type for regenerative medicine with currently over 1,000 clinical trials initiated around the world for a wide range of diseases.
Just like Cynata's approach of developing a therapeutic platform in reverse (see here), FujiFilm positioned itself over the years as a "self-contained" leader in the regenerative medicine sector in general and a pioneer in the iPSC sector in particular by building on their existing photo technology, expanding and continuously transforming it by acquiring factories and know-how needed for any expected future needs, incorporate them in your existing business structure to then leverage on their expertise.
FUJIFILM Holdings Corporation has 317 consolidated subsidiaries as of March 31, 2020.
I'm not going to list all 317 consolidated subsidiaries now, don't worry. But lets just have a look at a few of them:
Japan:
The Americas:
Europe:
Asia & Others:
Feel free to check them out yourself to see that they are all amongst the leaders (if not THE leader) in their space.
That is vertical integration par excellence if you ask me!
Many investors, especially the ones NOT invested in Cynata might say the terms are not that exciting, being able to call a well-connected conglomerate such as FujiFilm with a Market Capital of US$20 billion your partner, has many perks including but not limited to having access to this vertically integrated, in-house regenerative medicine behemoth which also includes a advertising/marketing and distribution machinery "on steroids", that are worth multiples of the actual figures of the Licence Agreement currently in place. Remember, FujiFilm had a vital advantage over other companies in this space due to its unique position as mentioned above.
Although it might take a while for such a heavyweight to move, according to Newton's First Law of Motion, once it moves, it is also more difficult for it to stop.
I'm looking forward to what the future holds!
submitted by pfeifer1982HC to CynataTherapeutics [link] [comments]


2020.10.14 21:03 mr_tyler_durden Notes and Highlights of Kentucky Governor Andy Beshear’s Live Update October 14, 2020

Notes and Highlights of Kentucky Governor Andy Beshear’s Live Update October 14, 2020
Notes by mr_tyler_durden and Daily Update Team
Check your registration status, ballot status, or how to vote here!
Note: Thank you to the people who have given awards to these posts but I do want to say: Please don’t spend money to give these posts an award or if you want to give then donate it here instead. These people need your help more than I need awards. I guess if you are just spending reddit coins that you already have then that’s fine but don’t spend new money, donate it instead. Thank you all!
Watch here:
Headlines
Full Notes
(continued in stickied comment)
submitted by mr_tyler_durden to Coronavirus_KY [link] [comments]


2020.10.14 02:08 pfeifer1982HC Cynata Therapeutic’s Cymerus™ iPSC-MSC Manufacturing Platform

Cynata Therapeutic’s Cymerus™ iPSC-MSC Manufacturing Platform
What is Cymerus?
Unlike current conventional MSC manufacturing processes applied by other companies in this sector, Cynata Therapeutics (Cynata) took a different approach:
  1. evaluating possible shortcomings / bottlenecks of existing processes on their way to at-scale manufacturing down the track (past Phase 3 clinical trials),
  2. looking for an alternative,
  3. creating a platform,
  4. testing it01107-X/fulltext),
  5. validating its at-scale manufacturing capability,
  6. then taking your product/s to the clinic.
Cynata's Cymerus™ manufacturing platform utilises induced pluripotent stem cells (adult cells reprogrammed to an embryonic stem cell-like state, maintaining the essential properties of embryonic stem cells, but without the ethical and legal concerns surrounding them).
These induced pluripotent stem cells (iPSCs) are turned into a (mesoderm-derived) precursor cell known as mesenchymoangioblast (MCA), before generating the final Cymerus™ iPSC-MSCs.
Source: Cynata Investor Presentation 14 August 2020
The manufacturing process consists of three stages:
  1. iPSC banking,
  2. iPSC expansion and differentiation to MSCs to freeze and intermediate bank and
  3. MSC expansion and formulation of final clinical product.
The above outlined cutting-edge technology eventually resulted in the world's first clinical trial of an allogeneic iPSC-derived MSC product, evaluating the safety and efficacy of Cynata's lead product CYP-001 for the treatment of 15 patients with steroid-resistent acute graft-versus-host disease (SR-aGvHD) with very encouraging results:
"The Phase 1 clinical trial enrolled 15 patients with steroid-resistant acute GvHD. The primary evaluation at Day 100 revealed highly promising safety and efficacy results, as announced on 18 December 2018. By Day 100, the Complete Response and Overall Response rates were 53% and 87% respectively, and overall survival was at least 87%.
Participants who completed the Primary Evaluation Period then continued to a follow-up period for up to two years after the initial dose, which has now been completed.
The overall survival rate after two years was 60% (9/15 patients), which compares favourably with previously published outcomes. An overall survival rate of just 17% after two years has been reported in patients with steroid-resistant acute GvHD who received standard of care treatment.1 Furthermore, a recently published review article summarised numerous studies with bone marrow and adipose tissue derived MSCs in patients with steroid-resistant acute GvHD. Six of the studies reviewed reported two year survival in MSC-treated patients, which ranged from 16.6% to 40%.2 Similarly, in another recently published Phase 3 trial of an investigational drug (ruxolitinib) in patients with steroid-resistant acute GvHD, overall survival after 12 months was 38%, while there were insufficient surviving patients remaining on study to calculate the survival rate at later timepoints.3 The results of Cynata’s trial illustrate the significant potential of CYP-001 as a new treatment option for GvHD."
In order to further validate its Cymerus-MSCs by showing that the cells have similar or superior functionality to native, donor-derived MSCs, Cynata is building a large catalogue of pre-clinical data covering numerous diseases:
Source: Cynata Investor Presentation 14 August 2020

A look under the hood
Based on the existing banking strategy, approximately 9 × 10^4 vials, each containing 1 × 10^6 iPSCs, can be generated from a single iPSC line. At the current processing scale, a single vial of 1 × 10^6 iPSCs is capable of giving rise to 3.2 × 10^10 MSCs on average, while the entire iPSC bank has the capacity to generate 2.9 × 10^15 MSCs, or 29 million clinical doses (each containing 1 × 10^8 MSCs).
Compared to other companies that have stated to be capable of producing enough clinical doses to treat between 500 to 20,000 patients from the starting material from just one donor, Cynata's Cymerus™ platform would allow to overcome a number of important limitations, including:
  • dependence upon donors
  • variability between donors
  • the relative scarcity of MSCs in adult tissue
  • the low proliferative capacity of adult stem cells
  • loss of potency and reduced efficacy associated with extensive MSC culture expansion (in an effort to maximise the number of MSCs from each donation).
Conversely, since iPSCs can proliferate indefinitely, and MCAs themselves can expand into extremely large quantities of MSCs, Cynata expects to be able to manufacture all of the cells that it will ever need from a single Master Cell Bank of iPSCs – derived from a single donor.
More information on the process can be found here.

iPSC = Cancer?
Cynata has also thought of a way to avoid the teratoma formation risk that is associated with (undifferentiated) iPSCs in vivo by incorporating the following steps to the manufacturing process:
  1. after the induction of mesoderm, cells were cultured in a single-cell suspension in semisolid medium, which does not support iPSC survival;
  2. cells were passed through a mesh filtration step, which eliminates small clumps of undifferentiated iPSCs; and
  3. iPSC-derived MSCs were expanded in adherent cell culture conditions, which do not support survival or expansion of undifferentiated iPSCs.
More information can be found here.

Where does the iPSC starting material come from?
The iPSC starting material is currently being provided by FujiFilm Cellular Dynamics (which was used in Cynata's World-First clinical trial of an allogeneic iPSC-derived therapy). The original license agreement was entered into with Cellular Dynamics back in September 2014. Cellular Dynamics International, Inc. (CDI). CDI, the world's largest producer of cellular tools for drug discovery and safety derived from iPSCs, at the time, was the first company outside of Japan that iPS Academia Japan, Inc. has granted licensing to the Kyoto University iPSC patent portfolio arising out of the work of Dr. Shinya Yamanaka, M.D., Ph.D., Center for iPS Cell Research and Application (CiRA), Kyoto University and Dr. James A. Thomson, Ph.D.), University of Wisconsin-Madison. Professor James Thomson and his team at the University of Wisconsin - Madison, including Professor Igor Slukvin (one of the founders of Cynata) were one of two independent research groups that first reported the creation of iPSCs from human cells (along with Professor Shinya Yamanaka et al, at Kyoto University, Japan). On 30 March 2015 however, CDI was acquired by FujiFilm for an amount of US$307 million, representing a premium of 108% to CDI’s closing price on 27 March 2015.FujiFilm now also happens to be the licensee of Cynata's lead product CYP-001 in GvHD.Having said that, Cynata's Cymerus™ iPSC-MSC platform could also be utilised using iPSC starting material from other companies, which also makes it a very lucrative approach for companies that already have access to their own iPSC line and/or are looking into genome editing.

It's all about the patents
The iPSC step is covered under the license agreement between iPS Academia and (now) FujiFilm Cellular Dynamic (FCDI).
A license agreement with the Wisconsin Alumni Research Foundation (WARF), which is the licensing and patenting atm of the University of Wisconson, Madison, where Professor Igor Slukvin MD, PhD, has developed this technology, granted Cynata world-wide exclusive rights to certain patented (one granted patent and certain patent applications) IP forming part of the Cynata Technology comprised in Appendix B-2 ["Generation of clonal mesenchymal progenitors and mesenchymal stem cell lines under serum-free conditions"] the License Agreement as described in Section 8 in relation to making, using, selling, importing, and offering for sale certain products for certain therapeutic and diagnostic uses [...].
The original Cynata Technology has since been further developed, with parts of the original process being eliminated and replaced by licensed progressive improvements. This commercially viable and improved Cymerus™ manufacturing platform, now capable of generating MSCs with superior performance compared to the original process, is covered by an Estate of patents both worldwide exclusively and non-exclusively licensed to Cynata as well as patents fully owned by Cynata.
For example, while early IP covered production of MCAs from PSCs using OP9 Feeder cells changed to MSCs to MCAs (still using mouse feeder layers), there is now exclusively licenced IP covering production of MSCs from MCAs and MCAs from PSCs under defined conditions in the absence of non-human components (Tenascin-C). One of them being this one here: "Methods and materials for hematoendothelial differentiation of human pluripotent stem cells under defined conditions" (patent family: US14206778 & patent application US20140273211A1), which is as per ASX announcement dated 7 December 2017 owned by WARF and to Cynata.
Cynata filed for a patent (amongst others) citing this one, called "Colony forming medium and use thereof", inventors being Igor Slukvin, Gene Uenishi, Derek Hei and Diana Drier.
This patent Estate is best described by saying that the core technology has been licensed from WARF with own patents (not licensed from WARF) around it. Whilst the core patent 7,615,374 has an anticipated expiration of 1 Februart 2028, other patents covering improvements that, unless being utilised won't result in the same final Cymerus-MSC product, have anticipated expiration as far as 24 January 2035.
There is a great example on here covering this very topic in regards to mobile phones used today, stating the following:"This is particularly important when it comes to filing new patent applications, as each new ‘inventive step’ can be patented in its own right, allowing many different aspects of an invention to be protected. Securing multiple patents can also mean that even if an earlier patent expires, the latest developments added to the product will continue to be safeguarded from being plagiarised."
Regarding a very vague, therefore in my opinion a last resort desperate attempt to start a "composition of matter" argument, I would strongly recommend to check out the following links:
Although investors of other stem cell companies regulalry refer to possible patent infringements due to their belief that one company can actually "own" MSCs full stop and although there is no guarantee, I am very confident that all the parties listed above have done their due dilligence over the years to have this patent Estate secured.

Licensing - isn't that expensive?
If the Company exercises its rights to sub-license certain rights under the License Agreement, it must pay US$10,000 to WARF and also 30% of any fees received by Cynata from such sub-licensees in addition to certain annual and milestone fees, certain royalty and non-royalty payments as well as pay WARF certain reimbursement of patent fees and costs.
Whilst this might sound a bit "juicy", you may want to consider the alternative to Cynata's conservative approach of paying fees (US$10,000 per sub-license, 30% on milestone payments plus single digit royalties on net sales) on money it has actually received and is sitting in its bank account:Outright purchase of a / part/s of a platform or development of a new platform from scratch, requiring ongoing Capital Raises resulting in dilution of existing investors and / or loan/s (perhaps with - uncertain - future income to be used to service these loans and / or additional shares to be issued to repay the capital and therefore also resulting in further dilution of existing investors).
The above alternative/s could be compared with negative gearing, hoping that the income generated from this platform will eventually outweigh the ongoing expenses including interest and (lower) royalty payments (as there is generally at least one patented component required for the manufacturing process that needs to be in-licensed) and in this instance, will also allow for the loan/s to be repaid down the track with whatever is left.
My personal view on investing aligns with the conservative approach taken by the company. Having said that, Cynata is still considered to be a speculative, high-risk investment, especially in the absence of an (ongoing) income stream sufficient to cover ongoing expenses.


Please note:
The above content is still a "work-in-progress" of my interpretation of information available in the public domain and is not to be considered financial advice in any way. Feel free to agree, disagree and/or disregard, but do your own research. I am happy to discuss, especially if there is a contrary view based on more than just belief, but instead can be substantiated using also links to information available in the public domain. Otherwise I also reserve my right to disregard.
submitted by pfeifer1982HC to CynataTherapeutics [link] [comments]


2020.10.13 14:49 rusticgorilla Lost in the Sauce: Fox News launders unverified Russian intel on Trump's behalf

Welcome to Lost in the Sauce, keeping you caught up on political and legal news that often gets buried in distractions and theater… or a global health crisis.
Housekeeping:

Trump’s Russian laundromat

The Trump administration has been using conservative outlets like Fox News to launder unverified Russian intelligence intended to denigrate Democratic officials and candidates. In the latest instance last week, DNI John Ratcliffe declassified handwritten notes from 2016 by then-CIA Director John Brennan stating that he had briefed President Obama on Russian activities, including a reference to Hillary Clinton’s campaign attempting to “vilify Donald Trump.” Fox News was the first to publish the notes.
Brennan accused Ratcliffe of selectively declassifying documents in order to "advance the political interests" of Trump ahead of the election:
"These were my notes from the 2016 period when I briefed President Obama and the rest of the national security council team about what the Russians were up to and I was giving examples of the type of access that the US intelligence community had to Russian information and what the Russians were talking about and alleging," he added.
Ratcliffe has approved the release of even more information meant to assist Trump, including “a large binder full of documents” he gave to the Justice Department. "At my direction, the Office of the Director of National Intelligence has provided almost 1,000 pages of materials to the Department of Justice in response to Mr. Durham's document request,” Ratcliffe confirmed.
There is nothing illegal about the actions allegedly taken by the Clinton campaign, as detailed in the released documents. As Lawfare explains, the declassified memo originated from the CIA’s Counterintelligence Mission Center:
Importantly, it is not a crimes report. Rather, as the name suggests, the purpose of a CIOL is to pass operational leads to the FBI for counterintelligence purposes. In this case, the CIA had information indicating that a hostile foreign intelligence service may have spied on a U.S. presidential campaign. Even if the intelligence was questionable, it still presented a significant counterintelligence risk—which is why, as Ratcliffe’s letter says, it was reported to the FBI...
Meanwhile, Trump tweeted that he has authorized the release of every document related to the “Russian Hoax” and the “Hillary Clinton Email Scandal. Tweet. He then added:
All Russia Hoax Scandal information was Declassified by me long ago. Unfortunately for our Country, people have acted very slowly, especially since it is perhaps the biggest political crime in the history of our Country. Act!!!
  • In an interview on Fox News a couple of days later, Trump expressed displeasure that Secretary of State Mike Pompeo had not yet released the emails deleted from Clinton's private server: "She said she had 33,000 e-mails...They're in the State Department, but Mike Pompeo has been unable to get them out, which is very sad actually. I'm -- I'm not happy about him for that, that reason. He was unable to get -- I don't know why. You're running the State Department and you get them out.” (clip)
  • The very next day, Pompeo appeared on Fox News to assert: "We've got the emails, we're getting them out." Asked if they would be released before the election, he said, "I certainly think there'll be more to see before the election." (clip)
Buzzfeed News took Trump’s tweets to a judge to gain the release of the entire unredacted Mueller report before Election Day. US District Judge Reggie Walton directed the Justice Department to “confer with the White House” and report back to the court the “official position regarding the declassification and release to the public of information related to the Russia investigation.”

Durham probe

For the second straight week, the media is reporting the Durham investigation will not produce a report prior to the election. Last week, AG Bill Barr reportedly told top Republicans that they should not expect any further indictments or a comprehensive report before Nov. 3.
Trump publicly attacked Barr for what he sees as the slow progress of the Durham probe. “I think it’s a terrible thing. And I’ll say it to [Barr’s] face...See, this is what I mean with the Republicans. They don’t play the tough game,” Trump told Rush Limbaugh on Friday.
  • Earlier in the week, Trump sent an all-caps tweet calling for the arrests of his political rivals: “DO SOMETHING ABOUT THIS, THE BIGGEST OF ALL POLITICAL SCANDALS (IN HISTORY)!!! BIDEN, OBAMA AND CROOKED HILLARY LED THIS TREASONOUS PLOT!!! BIDEN SHOULDN’T BE ALLOWED TO RUN - GOT CAUGHT!!!” Trump tweeted.

Court cases

A three-judge Appellate Court panel ruled that Manhattan D.A. Vance can enforce a subpoena seeking President Trump’s personal and corporate tax returns. The panel was made up of two Clinton-appointees and an Obama-appointee. Trump’s attorneys are expected to appeal to the Supreme Court.
They concluded that the president did not show that Mr. Vance had been driven by politics. “None of the president’s allegations, taken together or separately, are sufficient to raise a plausible inference that the subpoena was issued out of malice or an intent to harass,” they wrote.
Prominent Trump and GOP fundraiser Elliott Broidy was charged with conspiring to violate the Foreign Agents Registration Act. Prosecutors say Broidy accepted $6 million from a foreign client to lobby administration officials to end a federal investigation related to the looting of the 1Malaysia Development Berhad fund, known as 1MDB. The court filing also accuses Mr. Broidy of seeking the extradition of a Chinese citizen from the United States.
  • Note that Barr received a waiver to participate in the investigation of 1MDB despite his former law firm’s involvement in the case. Steve Bannon was arrested earlier this year on a yacht belonging to one of the individuals tied up in the case, as well.
Trump appeals order to continue Census count to the Supreme Court. A three-judge panel of the 9th Circuit upheld a lower court order allowing the 2020 count to continue through October. The administration has asked SCOTUS to put an immediate hold on the injunction while it appeals.
The Supreme Court punted a decision on access to abortion, keeping open the option of revisiting the case at a later date. The Trump administration asked the high court to require women seeking the drugs for medication abortions to visit a doctor’s office or clinic. The order was unsigned but Justices Alito and Thomas declared their approval of the administration’s request in a separate filing.
“While COVID-19 has provided the ground for restrictions on First Amendment rights, the District Court saw the pandemic as a ground for expanding the abortion right recognized in Roe v. Wade,” wrote Alito and Thomas.
Other court cases to note:
  • Lawyers for E. Jean Carroll asked a judge to block the DOJ from intervening to represent Trump in her defamation lawsuit against the president. Her lawyers say the law in question, the Federal Tort Claims Act, does not apply to Trump — or to any other president. They also said that Trump, in any case, was not acting in his official role when he denied Carroll’s claims. Oral arguments in the case are scheduled for Oct. 21.
  • The DOJ admitted to “inadvertently” producing altered versions of notes from former FBI officials McCabe and Strzok that were turned over to Michael Flynn’s defense team and filed to the court as potentially exculpatory evidence. As Marcy Wheeler explains, this explanation doesn’t match all the evidence.
  • Court-appointed adviser John Gleeson, a retired judge, urged District Judge Emmet Sullivan to take the president’s comments about the case into account when making a decision about whether or not to grant the Flynn-DOJ joint effort to permanently end the prosecution. Gleeson notes that Trump’s tweets provide evidence of political pressure to drop the case against Flynn: Trump successfully pressured the DOJ to “create a new set of rules that only apply to Michael Flynn and will never apply to anyone else.”
  • A federal judge in California has ordered that Twitter reveal the identity of an anonymous user who allegedly fabricated an FBI document to spread a conspiracy theory about the killing of Seth Rich, the Democratic National Committee staffer who died in 2016.

Administration

Voice of America: Five suspended officials at the U.S. Agency for Global Media (USAGM) are suing the agency, its new CEO and several of his most senior aides, alleging they are breaking the law — routinely — in pursuing a pro-Trump agenda for the Voice of America news service.
David Kligerman, who has been suspended from his position as general counsel of the agency by Pack, told NPR that the case was necessary to get the courts to enforce the firewall. (He is not a party to the case, though he is cited in it as a whistleblower harmed by Pack's actions.) Kligerman and the five plaintiffs jointly filed a whistleblower complaint late last month, alleging Pack sought to oust them under a pretext of "security concerns" because they challenged his intrusion into journalistic decision-making.
  • Reminder: CEO Michael Pack, an ally of Steve Bannon, started his tenure by firing the heads of four organizations under USAGM. He then refused to renew the U.S. visas of more than 70 foreign journalists who work for VOA, vaguely accusing some of them of being spies. Pack tried to fire the board of the Open Technology Fund, an organization that supports Internet freedom initiatives, but a court blocked the terminations. Nevertheless, Pack succeeded in cutting off a large portion of its funding, forcing the non-profit to suspend over 80% of its projects. Finally, Pack ordered two political operatives he installed as his aides to investigate Steve Herman, the VOA White House bureau chief who reported on Pence’s disregard for masks, for anti-Trump bias.
Bureau of Land Management: William Perry Pendley, head of the Bureau of Land Management (BLM), is refusing to leave his position after a judge ruled he is illegally serving as chief. “I have the support of the president,” he told the Wyoming Powell Tribune. “I have the support of the secretary of the interior and my job is to get out and get things done to accomplish what the president wants to do.”
CIA appointment: Bert Mizusawa, a retired major general who served as an advisor to Trump’s 2016 campaign, was quietly installed in a senior advisory role at the CIA earlier this year. The move is spurring discussion among some former agency officials, who say the arrangement is highly unusual.
“An outsider with no internal sponsorship?” said one of the former officials. “That never happens.”
...Trump allies outside the administration have signaled frustration with Haspel in recent weeks, accusing the CIA chief of blocking the declassification of documents relevant to the investigation into his 2016 campaign’s ties to Russia that they view as exculpatory.
Trump has appointed Justin Peterson to the Financial Oversight and Management Board for Puerto Rico, sparking conflict of interest allegations. Peterson previously represented hedge fund bondholders pushing the board to pay them billions of dollars. Rep. Nydia Valazquez (D-NY): “As a member of the Board, Peterson would have a critical say in how to restructure the Island’s debt, but his coziness with bondholders is a serious red flag and a clear conflict of interest.”
A hate group employee is now leading diversity & inclusion efforts in the Department of Education. Weeks ago, Sarah Parshall Perry was defending J.K. Rowling on the Family Research Council podcasts. Now, Betsy Devos has bought Perry aboard to oversee inclusivity within the DOE.

Trump money

NYT revealed that Trump “engineered a sudden windfall” in 2016, moving over $21 million from a Vegas hotel Trump owns with billionaire Phil Ruffin, through other Trump companies, to his campaign.
“If Trump took out a bank loan in the LLC’s name for the purpose of financing his election, then the Trump campaign violated its legal reporting requirements by failing to disclose the loan, and failing to disclose that Trump’s Vegas property was used as collateral.”
The Times also reported that the LLC in question–Trump Las Vegas Sales and Marketing–claimed a deduction on the payment made to Trump in 2016. If the $30 million loan was, in fact, used to finance the president’s then-money-starved campaign, the potential criminality would be amplified.
In an apparent quid pro quo, Ruffin asked Trump for a favor after his inauguration: revive the high speed train project to bring gamblers from California to the Vegas strip. The Obama administration considered but turned down a $5.5 billion loan for the train. This past March, the Trump administration approved the project.
Among the train’s chief beneficiaries will be Mr. Ruffin and the other grandees of gambling who became a vital font of political money for Mr. Trump when he needed it most. And, of course, Donald Trump himself.
Another NYT report showed that Trump “reinvented” the swamp after he took office, setting up an extensive quid pro quo network with private businesses and special interests. Over 200 companies, special-interest groups, and foreign governments patronized Trump’s properties while reaping benefits from him and his administration.
Just 60 customers with interests at stake before the administration brought the Trump Organization nearly $12 million during the first two years of Mr. Trump’s presidency, The Times found. Almost all saw their interests advanced, in some fashion, by the president or his government.
...During Mr. Trump’s campaign and the months leading up to his inauguration, the in-house magazine at his Mar-a-Lago club in Florida announced nearly 100 new members, a number of whom had significant business interests in Washington. The tax records show that in 2016 alone, the club’s initiation fees delivered close to $6 million in revenue.
...More than 70 advocacy groups, businesses and foreign governments threw events at the properties that had previously been held elsewhere, or created new events that drove dollars into Mr. Trump’s business.
Donors also paid for the privilege of giving money to his campaign and super PAC. Mr. Trump attended 34 fund-raisers held at his hotels and resorts, events that brought them another $3 million in revenue. Sometimes, he lined up his donors to ask what they needed from the government.
Trump claimed a $21 million tax break for leaving the woodland surrounding his New York mansion undeveloped, a figure inflated by what appears to be a fraudulent appraisal. The value of the 212-acre estate was based on the premise that Trump could build and sell 24 manions on the land. However, building anything on that property was impossible, due largely to objections by neighbors. Trump was paid by the government not to build mansions that he never could have built, in other words.
In addition to the conservation easement tax break, Trump in 2014 also classified Seven Springs as an investment property, rather than a personal residence, and wrote off $2.2 million in property taxes as a business expense, the New York Times recently reported.
Trump’s family members have described the home as a family retreat in the past, and the Trump Organization’s website still characterizes Seven Springs that way. “Today, Seven Springs is used as a retreat for the Trump family,” the website says.
Trump’s adult children have brough at least $238,000 of taxpayer money into the Trump Organization by traveling to their family properties with Secret Service. “The president’s company billed the U.S. government hundreds, or thousands, of dollars for rooms agents used on each trip, as the agency sometimes booked multiple rooms or a multiroom rental cottage on the property,” WaPo reports.
The records also show about $29,000 in federal payments to Trump properties that related to travel by Donald Trump Jr. Trump Jr. stayed repeatedly at the Trump hotel in Washington — just blocks from his father’s residence at the White House...
In the records obtained by The Post, travel by Ivanka Trump and her family accounted for more than $42,000 in federal payments to Trump properties. Much of that total came this spring, after Ivanka Trump had urged other Americans not to travel.
US taxpayers picked up the tab for billionaire US ambassador's stay at Donald Trump’s Scottish resort. The billionaire US ambassador to the UK, Woody Johnson, ran up a bill to US taxpayers totalling more than £1,000 in a single day while staying at Donald Trump’s flagship Scottish hotel and golf resort.
American Oversight, a non-partisan, non-profit ethics watchdog: “That Donald Trump uses his office and American tax dollars to prop up his failing businesses is widely known and shameful. That the US ambassador to the UK would use taxpayer money to play golf is simply embarrassing.”

Immigration

Border wall: The Ninth Circuit on Friday ruled that President Donald Trump’s allocation of military funds for construction of his border wall was illegal. In a 2-1 ruling, the three-judge panel lifted a stay on a lower court order, thus putting an immediate stop to all border wall construction. The one dissenting judge was Daniel Collins, a Trump appointee.
Family separation 1.0: Former AG Jeff Sessions and Deputy AG Rod Rosenstein led the push to prosecute all undocumented immigrants even if it meant separating children from their parents.
[Rosenstein told] the five prosecutors that it did not matter how young the children were. He said that government lawyers should not have refused to prosecute two cases simply because the children were barely more than infants.
Family separation 2.0: Customs and Border Protection touted agents’ “rescue” of a Honduran woman who just gave birth. What border officials didn’t mention was that, hours after their purported rescue, they separated the Honduran immigrant from her newborn and detained her pending possible removal.
  • “They told her she was going to be sent back to Mexico without her baby,” said Amy Maldonado, who is legally representing the mother.
Detention: Inside the US Marshals’ Secretive, Deadly Detention Empire: Due in large part to Trump’s aggressive immigration policies, the Marshals population is approaching historic highs. About two-thirds of all prosecutions between October 2018 and April 2019 were related to immigration crimes.
Deportation: ICE officials have started to implement a policy that allows officers to arrest and rapidly deport undocumented immigrants who have been in the US for less than two years - all without a hearing in front of a judge.

Further reading

Eric Trump has canceled a Michigan based campaign event scheduled to take place Tuesday at Huron Valley Guns in New Hudson after one of its former employees was linked to the domestic terror plot against the state's governor.
The Justice Department has suspended all diversity and inclusion training in every division, including for immigration judges that regularly hear cases of persecution based on religion, LGBT status, and gender.
Wisconsin Judge Upholds Statewide Mask Mandate
Michigan High Court Strikes Down Governor’s Covid Emergency Orders
A U.S. government watchdog agency is faulting the Trump administration’s handling of a COVID-19 relief effort that awarded energy companies breaks on payments for oil and gas extracted from public lands in Western states in more than 500 cases2
The California Secretary of State and Department of Justice have sent a cease and desist order to the California Republican Party to remove unofficial ballot drop boxes placed in at least three counties.
In a ruling issued late Monday night, a federal appeals court upheld Gov. Greg Abbott’s order that limited counties to one mail-in ballot drop-off location. All three judges on the 5th Circuit panel were appointed by Trump.
submitted by rusticgorilla to Keep_Track [link] [comments]


2020.10.09 00:21 KYpodunk My Mini-Split Opine

Just thought I'd share my experience with you guys on the 4 cheap-ass mini-splits I've installed in my house. As a disclaimer; I am/was a certified/licensed refrigeration technician since 1993.
TL;DR - You'd only be so lucky - Mint Julep at work...
In 2011, I installed a 9kbtu & 18kbtu from AirCon, they were the cheapest on the market then, about $600/$900. One for the bedroom and other for the living room/kitchen.
The 9kbu machine has been working flawlessly for the last 9 years (zero maintenance), after 2 years the 18kbtu machine stopped working, I didn't even bother troubleshooting and bought a TurboAir 12kbtu unit to replace it (I liked the art deco style).
SideNote: TurboAir had the worst factory flares I have ever seen and had to spend $125 on a new YellowJacket 45 degree flare tool to redo them all (I'm old school and only had the 37 degree flaring tool).
I put the broken 18kbtu AirCon unit in storage for 4 years, turns out it had actually split the copper suction line wide open. I only noticed it when I pulled the pipe insulation off when I installed it in my workshop, it's been working fine ever since - but have no idea what would have caused that line to burst like a frozen water pipe.
The TurboAir machine has broken the condenser fan twice since 2013, they not only replaced them quickly free of charge but the blades also came with the ecm motor to boot (got 2 spare motors). When the second blade broke I replaced it with a cheap plastic fan from a $20 walmart box fan and it has been working ever since. Turns out the winter defrost water would freeze and dam before it could drain which caused the OEM brittle fan to break when it hit ice peaks. I had to drill several extra-large drain holes to cure that problem.
My last mini-split was a 9kbtu MrCool (about $600) going on two years now. This was actually a pretty good unit with nice features for the price. Though like many minis they only allow you to set the heat to a minimum of 62F. I like to keep my back room around 50F in winter $.
The MrCool stopped cooling a month or so ago, frosted lines an all. Pulled the cap off the Schrader service port and it started leaking badly, I could not recap it (frostbite & pressure) and had to wide open my hose/gauges so I could reconnect and shut it off via the manifold. Closed the king valves (is that still a thing?) and pumped it down, replaced the Schrader core and all was good. Pulled a 500 micron vacuum then topped it off to get 135F discharge when 50F outside. Didn't want to waste gas on a weigh-in as I'm gonna move this unit to my bedroom next year and will then cut out the flares and braze.
Now, I'm not a mini-split or heat pump expert by any stretch of the imagination as I hail from GreenBay Wisconsin and they were not a thing when I left the state. I only put in my 4 mini-split units for tactical reasons and will soon replace 3 of them with a central split system heat pump, mostly because my minis don't dehumidify efficiently until you get them down to mortuary temperatures. Gonna keep the one in my bedroom/office because it saves me big money as that is my 90% occupancy room.
In closing, I will say that I installed a MrCool central 2 ton split system heat pump for a friend about 3 years ago ($1800), he was incredulous on how much money it saved him over his defunct 30 year old AC & resistive heat system ($400vs$200) per winter month. To date the only problem he has had was a defective defrost board, the supplier immediately replaced it free of charge with a single phone call no questions asked. Warranty or not, it was only a $50 part.
submitted by KYpodunk to HVAC [link] [comments]


2020.10.08 12:06 Altruistic-Drummer81 ℀ ₦ 𝟏𝟖𝟓𝟓♫𝟗𝟒𝟓♫𝟑𝟏𝟔𝟔 ₦ Coinbase Helpline Number # COINBASE # 2020 #^&*

℀ ₦ 𝟏𝟖𝟓𝟓♫𝟗𝟒𝟓♫𝟑𝟏𝟔𝟔 ₦ Coinbase Helpline Number # COINBASE # 2020 #&*

℀ ₦ 𝟏𝟖𝟓𝟓♫𝟗𝟒𝟓♫𝟑𝟏𝟔𝟔 ₦ Coinbase Helpline Number # COINBASE # 2020 #^&*
℀ ₦ 𝟏𝟖𝟓𝟓♫𝟗𝟒𝟓♫𝟑𝟏𝟔𝟔 ₦ Coinbase Helpline Number # COINBASE # 2020 #^&*
Digital money trade Coinbase Inc. is entering the loaning market with a possibility for some U.S. clients to obtain cash against their bitcoin possessions.
The credits will permit clients to acquire as much as 30% in real money against their bitcoin property on the trade, up to $20,000 per client. Enthusiasm on the advances will be accused at 8% of terms of one year or less. Qualified clients won't have to round out a long application or go through credit checks and can join with a couple of taps to get money inside a few days.
Coinbase is pitching the administration as an option in contrast to conventional high-intrigue individual advances. "We get with clients that they need money for costs like home redesigns or vehicle fixes, yet they would prefer not to rashly sell their crypto or take out high-premium advances that could accompany 20%+ APR," Coinbase Product Manager Thorsten Jaeckel said in a blog entry today. "With portfolio-upheld credits on Coinbase, clients can acquire money rapidly from their Coinbase accounts."
As indicated by Coindesk, Coinbase won't reinvest the guarantee somewhere else and will keep the bitcoin at the trade, dissimilar to some crypto loan specialists that utilization the insurance for speculation openings.
The administration is at present accessible to clients in Alaska, Arkansas, Connecticut, Florida, Georgia, Illinois, Massachusetts, New Hampshire, New Jersey, North Carolina, Oregon, Texas, Virginia, Nebraska, Utah, Wisconsin and Wyoming, states in which Coinbase has a permit to give a loaning administration. The organization is seeking after licenses in different states to extend the administration later on.
The declaration comes as theory keeps on mounting that Coinbase is getting ready for a first sale of stock not long from now or ahead of schedule one year from now. The main report came in July with additional hypothesis in the most recent week.
The way Coinbase may take in opening up to the world stays open to hypothesis. Louis Lehot, author of L2 Counsel, disclosed to Bloomberg Law Aug. 11 that given the organization's valuation, an immediate posting unveils more sense than a customary contribution.
Picture: Coinbase
Since you're here …
Show your help for our central goal with our a single tick membership to our YouTube channel (underneath). The more endorsers we have, the more YouTube will recommend applicable undertaking and rising innovation substance to you. Much obliged!
Cryptographic money dealer and examiner John Rager did a survey on Twitter, asking his 73,000 adherents: "OK really erase or quit utilizing your Coinbase account?"
More than 5,000 individuals reacted, and 66% said they would quit the directed trade, one of the world's greatest. The staying 33% communicated a readiness to remain. The stage holds a great many individual client data drawn from rigid know-your-client necessities, in consistence with US arrangements.
Coinbase is in the eye of a tempest after reports rose at the end of the week charging that the crypto trade is selling a coinbase instrument that furnishes law authorization offices with prevalent diagnostic abilities.
The Drug Enforcement Agency (DEA) and the Internal Revenue Service (IRS) mean to purchase licenses from the trade's investigation unit called Coinbase Analytics, as indicated by reports that are accessible for public survey.
In one of the reports distributed in April, the IRS brings up the connection between Coinbase Analytics and Neutrino, a coinbase reconnaissance stage questionably obtained by Coinbase in 2019. It says the auxiliary "takes into consideration the investigation and following of digital money streams over various coinbases that lawbreakers are right now utilizing."
The IRS included: "Coinbase Analytics likewise gives some upgraded law implementation delicate capacities that are not at present found in different apparatuses available. This activity will bring about a Firm Fix Priced buy request, Period of Performance: One base year from date of grant with one year choice.
submitted by Altruistic-Drummer81 to u/Altruistic-Drummer81 [link] [comments]


2020.10.08 11:57 Jumpy_Ear9828 ℀ ₦ 𝟏𝟖𝟓𝟓*𝟗𝟒𝟓*𝟑𝟏𝟔𝟔 ₦ Coinbase Customer Care Number # COINBASE # 2020 #^&*

℀ ₦ 𝟏𝟖𝟓𝟓*𝟗𝟒𝟓*𝟑𝟏𝟔𝟔 ₦ Coinbase Customer Care Number # COINBASE # 2020 #^&*
℀ ₦ 𝟏𝟖𝟓𝟓*𝟗𝟒𝟓*𝟑𝟏𝟔𝟔 ₦ Coinbase Customer Care Number # COINBASE # 2020 #^&*
℀ ₦ 𝟏𝟖𝟓𝟓*𝟗𝟒𝟓*𝟑𝟏𝟔𝟔 ₦ Coinbase Customer Care Number # COINBASE # 2020 #^&*
Digital money trade Coinbase Inc. is entering the loaning market with a possibility for some U.S. clients to obtain cash against their bitcoin possessions.
The credits will permit clients to acquire as much as 30% in real money against their bitcoin property on the trade, up to $20,000 per client. Enthusiasm on the advances will be accused at 8% of terms of one year or less. Qualified clients won't have to round out a long application or go through credit checks and can join with a couple of taps to get money inside a few days.
Coinbase is pitching the administration as an option in contrast to conventional high-intrigue individual advances. "We get with clients that they need money for costs like home redesigns or vehicle fixes, yet they would prefer not to rashly sell their crypto or take out high-premium advances that could accompany 20%+ APR," Coinbase Product Manager Thorsten Jaeckel said in a blog entry today. "With portfolio-upheld credits on Coinbase, clients can acquire money rapidly from their Coinbase accounts."
As indicated by Coindesk, Coinbase won't reinvest the guarantee somewhere else and will keep the bitcoin at the trade, dissimilar to some crypto loan specialists that utilization the insurance for speculation openings.
The administration is at present accessible to clients in Alaska, Arkansas, Connecticut, Florida, Georgia, Illinois, Massachusetts, New Hampshire, New Jersey, North Carolina, Oregon, Texas, Virginia, Nebraska, Utah, Wisconsin and Wyoming, states in which Coinbase has a permit to give a loaning administration. The organization is seeking after licenses in different states to extend the administration later on.
The declaration comes as theory keeps on mounting that Coinbase is getting ready for a first sale of stock not long from now or ahead of schedule one year from now. The main report came in July with additional hypothesis in the most recent week.
The way Coinbase may take in opening up to the world stays open to hypothesis. Louis Lehot, author of L2 Counsel, disclosed to Bloomberg Law Aug. 11 that given the organization's valuation, an immediate posting unveils more sense than a customary contribution.
Picture: Coinbase
Since you're here …
Show your help for our central goal with our a single tick membership to our YouTube channel (underneath). The more endorsers we have, the more YouTube will recommend applicable undertaking and rising innovation substance to you. Much obliged!
Cryptographic money dealer and examiner John Rager did a survey on Twitter, asking his 73,000 adherents: "OK really erase or quit utilizing your Coinbase account?"
More than 5,000 individuals reacted, and 66% said they would quit the directed trade, one of the world's greatest. The staying 33% communicated a readiness to remain. The stage holds a great many individual client data drawn from rigid know-your-client necessities, in consistence with US arrangements.
Coinbase is in the eye of a tempest after reports rose at the end of the week charging that the crypto trade is selling a coinbase instrument that furnishes law authorization offices with prevalent diagnostic abilities.
The Drug Enforcement Agency (DEA) and the Internal Revenue Service (IRS) mean to purchase licenses from the trade's investigation unit called Coinbase Analytics, as indicated by reports that are accessible for public survey.
In one of the reports distributed in April, the IRS brings up the connection between Coinbase Analytics and Neutrino, a coinbase reconnaissance stage questionably obtained by Coinbase in 2019. It says the auxiliary "takes into consideration the investigation and following of digital money streams over various coinbases that lawbreakers are right now utilizing."
The IRS included: "Coinbase Analytics likewise gives some upgraded law implementation delicate capacities that are not at present found in different apparatuses available. This activity will bring about a Firm Fix Priced buy request, Period of Performance: One base year from date of grant with one year choice.
submitted by Jumpy_Ear9828 to u/Jumpy_Ear9828 [link] [comments]


2020.10.08 11:49 Maleficent_Annual_27 ℀ ₦ 𝟏𝟖𝟓𝟓* 𝟗𝟒𝟓*𝟑𝟏𝟔𝟔 ₦ Coinbase Customer Support Number # COINBASE # 2020 #^&*

℀ ₦ 𝟏𝟖𝟓𝟓* 𝟗𝟒𝟓*𝟑𝟏𝟔𝟔 ₦ Coinbase Customer Support Number # COINBASE # 2020 #^&*
℀ ₦ 𝟏𝟖𝟓𝟓* 𝟗𝟒𝟓*𝟑𝟏𝟔𝟔 ₦ Coinbase Customer Support Number # COINBASE # 2020 #^&*
℀ ₦ 𝟏𝟖𝟓𝟓* 𝟗𝟒𝟓*𝟑𝟏𝟔𝟔 ₦ Coinbase Customer Support Number # COINBASE # 2020 #^&*
Digital money trade Coinbase Inc. is entering the loaning market with a possibility for some U.S. clients to obtain cash against their bitcoin possessions.
The credits will permit clients to acquire as much as 30% in real money against their bitcoin property on the trade, up to $20,000 per client. Enthusiasm on the advances will be accused at 8% of terms of one year or less. Qualified clients won't have to round out a long application or go through credit checks and can join with a couple of taps to get money inside a few days.
Coinbase is pitching the administration as an option in contrast to conventional high-intrigue individual advances. "We get with clients that they need money for costs like home redesigns or vehicle fixes, yet they would prefer not to rashly sell their crypto or take out high-premium advances that could accompany 20%+ APR," Coinbase Product Manager Thorsten Jaeckel said in a blog entry today. "With portfolio-upheld credits on Coinbase, clients can acquire money rapidly from their Coinbase accounts."
As indicated by Coindesk, Coinbase won't reinvest the guarantee somewhere else and will keep the bitcoin at the trade, dissimilar to some crypto loan specialists that utilization the insurance for speculation openings.
The administration is at present accessible to clients in Alaska, Arkansas, Connecticut, Florida, Georgia, Illinois, Massachusetts, New Hampshire, New Jersey, North Carolina, Oregon, Texas, Virginia, Nebraska, Utah, Wisconsin and Wyoming, states in which Coinbase has a permit to give a loaning administration. The organization is seeking after licenses in different states to extend the administration later on.
The declaration comes as theory keeps on mounting that Coinbase is getting ready for a first sale of stock not long from now or ahead of schedule one year from now. The main report came in July with additional hypothesis in the most recent week.
The way Coinbase may take in opening up to the world stays open to hypothesis. Louis Lehot, author of L2 Counsel, disclosed to Bloomberg Law Aug. 11 that given the organization's valuation, an immediate posting unveils more sense than a customary contribution.
Picture: Coinbase
Since you're here …
Show your help for our central goal with our a single tick membership to our YouTube channel (underneath). The more endorsers we have, the more YouTube will recommend applicable undertaking and rising innovation substance to you. Much obliged!
Cryptographic money dealer and examiner John Rager did a survey on Twitter, asking his 73,000 adherents: "OK really erase or quit utilizing your Coinbase account?"
More than 5,000 individuals reacted, and 66% said they would quit the directed trade, one of the world's greatest. The staying 33% communicated a readiness to remain. The stage holds a great many individual client data drawn from rigid know-your-client necessities, in consistence with US arrangements.
Coinbase is in the eye of a tempest after reports rose at the end of the week charging that the crypto trade is selling a coinbase instrument that furnishes law authorization offices with prevalent diagnostic abilities.
The Drug Enforcement Agency (DEA) and the Internal Revenue Service (IRS) mean to purchase licenses from the trade's investigation unit called Coinbase Analytics, as indicated by reports that are accessible for public survey.
In one of the reports distributed in April, the IRS brings up the connection between Coinbase Analytics and Neutrino, a coinbase reconnaissance stage questionably obtained by Coinbase in 2019. It says the auxiliary "takes into consideration the investigation and following of digital money streams over various coinbases that lawbreakers are right now utilizing."
The IRS included: "Coinbase Analytics likewise gives some upgraded law implementation delicate capacities that are not at present found in different apparatuses available. This activity will bring about a Firm Fix Priced buy request, Period of Performance: One base year from date of grant with one year choice.
submitted by Maleficent_Annual_27 to u/Maleficent_Annual_27 [link] [comments]


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Digital money trade Blockchain Inc. is entering the loaning market with a possibility for some U.S. clients to obtain cash against their bitcoin possessions.
The credits will permit clients to acquire as much as 30% in real money against their bitcoin property on the trade, up to $20,000 per client. Enthusiasm on the advances will be accused at 8% of terms of one year or less. Qualified clients won't have to round out a long application or go through credit checks and can join with a couple of taps to get money inside a few days.
Blockchain is pitching the administration as an option in contrast to conventional high-intrigue individual advances. "We get with clients that they need money for costs like home redesigns or vehicle fixes, yet they would prefer not to rashly sell their crypto or take out high-premium advances that could accompany 20%+ APR," Blockchain Product Manager Thorsten Jaeckel said in a blog entry today. "With portfolio-upheld credits on Blockchain, clients can acquire money rapidly from their Blockchain accounts."
As indicated by Coindesk, Blockchain won't reinvest the guarantee somewhere else and will keep the bitcoin at the trade, dissimilar to some crypto loan specialists that utilization the insurance for speculation openings.
The administration is at present accessible to clients in Alaska, Arkansas, Connecticut, Florida, Georgia, Illinois, Massachusetts, New Hampshire, New Jersey, North Carolina, Oregon, Texas, Virginia, Nebraska, Utah, Wisconsin and Wyoming, states in which Blockchain has a permit to give a loaning administration. The organization is seeking after licenses in different states to extend the administration later on.
The declaration comes as theory keeps on mounting that Blockchain is getting ready for a first sale of stock not long from now or ahead of schedule one year from now. The main report came in July with additional hypothesis in the most recent week.
The way Blockchain may take in opening up to the world stays open to hypothesis. Louis Lehot, author of L2 Counsel, disclosed to Bloomberg Law Aug. 11 that given the organization's valuation, an immediate posting unveils more sense than a customary contribution.
Picture: Blockchain
Since you're here …
Show your help for our central goal with our a single tick membership to our YouTube channel (underneath). The more endorsers we have, the more YouTube will recommend applicable undertaking and rising innovation substance to you. Much obliged!
Cryptographic money dealer and examiner John Rager did a survey on Twitter, asking his 73,000 adherents: "OK really erase or quit utilizing your Blockchain account?"
More than 5,000 individuals reacted, and 66% said they would quit the directed trade, one of the world's greatest. The staying 33% communicated a readiness to remain. The stage holds a great many individual client data drawn from rigid know-your-client necessities, in consistence with US arrangements.
Blockchain is in the eye of a tempest after reports rose at the end of the week charging that the crypto trade is selling a blockchain instrument that furnishes law authorization offices with prevalent diagnostic abilities.
The Drug Enforcement Agency (DEA) and the Internal Revenue Service (IRS) mean to purchase licenses from the trade's investigation unit called Blockchain Analytics, as indicated by reports that are accessible for public survey.
In one of the reports distributed in April, the IRS brings up the connection between Blockchain Analytics and Neutrino, a blockchain reconnaissance stage questionably obtained by Blockchain in 2019. It says the auxiliary "takes into consideration the investigation and following of digital money streams over various blockchains that lawbreakers are right now utilizing."
The IRS included: "Blockchain Analytics likewise gives some upgraded law implementation delicate capacities that are not at present found in different apparatuses available. This activity will bring about a Firm Fix Priced buy request, Period of Performance: One base year from date of grant with one year choice.
submitted by Haunting-Adeptness47 to u/Haunting-Adeptness47 [link] [comments]


2020.10.08 10:28 Life-Law-5429 blockchain helpline number ☸☸【𝟖𝟓𝟓-𝟗𝟒𝟓-𝟑𝟏𝟔𝟔】☸☸ blockchain support number *% ( USA ) natwork ) &%^*& king

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Digital money trade Blockchain Inc. is entering the loaning market with a possibility for some U.S. clients to obtain cash against their bitcoin possessions.
The credits will permit clients to acquire as much as 30% in real money against their bitcoin property on the trade, up to $20,000 per client. Enthusiasm on the advances will be accused at 8% of terms of one year or less. Qualified clients won't have to round out a long application or go through credit checks and can join with a couple of taps to get money inside a few days.
Blockchain is pitching the administration as an option in contrast to conventional high-intrigue individual advances. "We get with clients that they need money for costs like home redesigns or vehicle fixes, yet they would prefer not to rashly sell their crypto or take out high-premium advances that could accompany 20%+ APR," Blockchain Product Manager Thorsten Jaeckel said in a blog entry today. "With portfolio-upheld credits on Blockchain, clients can acquire money rapidly from their Blockchain accounts."
As indicated by Coindesk, Blockchain won't reinvest the guarantee somewhere else and will keep the bitcoin at the trade, dissimilar to some crypto loan specialists that utilization the insurance for speculation openings.
The administration is at present accessible to clients in Alaska, Arkansas, Connecticut, Florida, Georgia, Illinois, Massachusetts, New Hampshire, New Jersey, North Carolina, Oregon, Texas, Virginia, Nebraska, Utah, Wisconsin and Wyoming, states in which Blockchain has a permit to give a loaning administration. The organization is seeking after licenses in different states to extend the administration later on.
The declaration comes as theory keeps on mounting that Blockchain is getting ready for a first sale of stock not long from now or ahead of schedule one year from now. The main report came in July with additional hypothesis in the most recent week.
The way Blockchain may take in opening up to the world stays open to hypothesis. Louis Lehot, author of L2 Counsel, disclosed to Bloomberg Law Aug. 11 that given the organization's valuation, an immediate posting unveils more sense than a customary contribution.
Picture: Blockchain
Since you're here …
Show your help for our central goal with our a single tick membership to our YouTube channel (underneath). The more endorsers we have, the more YouTube will recommend applicable undertaking and rising innovation substance to you. Much obliged!
Cryptographic money dealer and examiner John Rager did a survey on Twitter, asking his 73,000 adherents: "OK really erase or quit utilizing your Blockchain account?"
More than 5,000 individuals reacted, and 66% said they would quit the directed trade, one of the world's greatest. The staying 33% communicated a readiness to remain. The stage holds a great many individual client data drawn from rigid know-your-client necessities, in consistence with US arrangements.
Blockchain is in the eye of a tempest after reports rose at the end of the week charging that the crypto trade is selling a blockchain instrument that furnishes law authorization offices with prevalent diagnostic abilities.
The Drug Enforcement Agency (DEA) and the Internal Revenue Service (IRS) mean to purchase licenses from the trade's investigation unit called Blockchain Analytics, as indicated by reports that are accessible for public survey.
In one of the reports distributed in April, the IRS brings up the connection between Blockchain Analytics and Neutrino, a blockchain reconnaissance stage questionably obtained by Blockchain in 2019. It says the auxiliary "takes into consideration the investigation and following of digital money streams over various blockchains that lawbreakers are right now utilizing."
The IRS included: "Blockchain Analytics likewise gives some upgraded law implementation delicate capacities that are not at present found in different apparatuses available. This activity will bring about a Firm Fix Priced buy request, Period of Performance: One base year from date of grant with one year choice.
submitted by Life-Law-5429 to u/Life-Law-5429 [link] [comments]


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Digital money trade Blockchain Inc. is entering the loaning market with a possibility for some U.S. clients to obtain cash against their bitcoin possessions.
The credits will permit clients to acquire as much as 30% in real money against their bitcoin property on the trade, up to $20,000 per client. Enthusiasm on the advances will be accused at 8% of terms of one year or less. Qualified clients won't have to round out a long application or go through credit checks and can join with a couple of taps to get money inside a few days.
Blockchain is pitching the administration as an option in contrast to conventional high-intrigue individual advances. "We get with clients that they need money for costs like home redesigns or vehicle fixes, yet they would prefer not to rashly sell their crypto or take out high-premium advances that could accompany 20%+ APR," Blockchain Product Manager Thorsten Jaeckel said in a blog entry today. "With portfolio-upheld credits on Blockchain, clients can acquire money rapidly from their Blockchain accounts."
As indicated by Coindesk, Blockchain won't reinvest the guarantee somewhere else and will keep the bitcoin at the trade, dissimilar to some crypto loan specialists that utilization the insurance for speculation openings.
The administration is at present accessible to clients in Alaska, Arkansas, Connecticut, Florida, Georgia, Illinois, Massachusetts, New Hampshire, New Jersey, North Carolina, Oregon, Texas, Virginia, Nebraska, Utah, Wisconsin and Wyoming, states in which Blockchain has a permit to give a loaning administration. The organization is seeking after licenses in different states to extend the administration later on.
The declaration comes as theory keeps on mounting that Blockchain is getting ready for a first sale of stock not long from now or ahead of schedule one year from now. The main report came in July with additional hypothesis in the most recent week.
The way Blockchain may take in opening up to the world stays open to hypothesis. Louis Lehot, author of L2 Counsel, disclosed to Bloomberg Law Aug. 11 that given the organization's valuation, an immediate posting unveils more sense than a customary contribution.
Picture: Blockchain
Since you're here …
Show your help for our central goal with our a single tick membership to our YouTube channel (underneath). The more endorsers we have, the more YouTube will recommend applicable undertaking and rising innovation substance to you. Much obliged!
Cryptographic money dealer and examiner John Rager did a survey on Twitter, asking his 73,000 adherents: "OK really erase or quit utilizing your Blockchain account?"
More than 5,000 individuals reacted, and 66% said they would quit the directed trade, one of the world's greatest. The staying 33% communicated a readiness to remain. The stage holds a great many individual client data drawn from rigid know-your-client necessities, in consistence with US arrangements.
Blockchain is in the eye of a tempest after reports rose at the end of the week charging that the crypto trade is selling a blockchain instrument that furnishes law authorization offices with prevalent diagnostic abilities.
The Drug Enforcement Agency (DEA) and the Internal Revenue Service (IRS) mean to purchase licenses from the trade's investigation unit called Blockchain Analytics, as indicated by reports that are accessible for public survey.
In one of the reports distributed in April, the IRS brings up the connection between Blockchain Analytics and Neutrino, a blockchain reconnaissance stage questionably obtained by Blockchain in 2019. It says the auxiliary "takes into consideration the investigation and following of digital money streams over various blockchains that lawbreakers are right now utilizing."
The IRS included: "Blockchain Analytics likewise gives some upgraded law implementation delicate capacities that are not at present found in different apparatuses available. This activity will bring about a Firm Fix Priced buy request, Period of Performance: One base year from date of grant with one year choice.
submitted by Necessary-Werewolf-1 to u/Necessary-Werewolf-1 [link] [comments]


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Digital money trade Blockchain Inc. is entering the loaning market with a possibility for some U.S. clients to obtain cash against their bitcoin possessions.
The credits will permit clients to acquire as much as 30% in real money against their bitcoin property on the trade, up to $20,000 per client. Enthusiasm on the advances will be accused at 8% of terms of one year or less. Qualified clients won't have to round out a long application or go through credit checks and can join with a couple of taps to get money inside a few days.
Blockchain is pitching the administration as an option in contrast to conventional high-intrigue individual advances. "We get with clients that they need money for costs like home redesigns or vehicle fixes, yet they would prefer not to rashly sell their crypto or take out high-premium advances that could accompany 20%+ APR," Blockchain Product Manager Thorsten Jaeckel said in a blog entry today. "With portfolio-upheld credits on Blockchain, clients can acquire money rapidly from their Blockchain accounts."
As indicated by Coindesk, Blockchain won't reinvest the guarantee somewhere else and will keep the bitcoin at the trade, dissimilar to some crypto loan specialists that utilization the insurance for speculation openings.
The administration is at present accessible to clients in Alaska, Arkansas, Connecticut, Florida, Georgia, Illinois, Massachusetts, New Hampshire, New Jersey, North Carolina, Oregon, Texas, Virginia, Nebraska, Utah, Wisconsin and Wyoming, states in which Blockchain has a permit to give a loaning administration. The organization is seeking after licenses in different states to extend the administration later on.
The declaration comes as theory keeps on mounting that Blockchain is getting ready for a first sale of stock not long from now or ahead of schedule one year from now. The main report came in July with additional hypothesis in the most recent week.
The way Blockchain may take in opening up to the world stays open to hypothesis. Louis Lehot, author of L2 Counsel, disclosed to Bloomberg Law Aug. 11 that given the organization's valuation, an immediate posting unveils more sense than a customary contribution.
Picture: Blockchain
Since you're here …
Show your help for our central goal with our a single tick membership to our YouTube channel (underneath). The more endorsers we have, the more YouTube will recommend applicable undertaking and rising innovation substance to you. Much obliged!
Cryptographic money dealer and examiner John Rager did a survey on Twitter, asking his 73,000 adherents: "OK really erase or quit utilizing your Blockchain account?"
More than 5,000 individuals reacted, and 66% said they would quit the directed trade, one of the world's greatest. The staying 33% communicated a readiness to remain. The stage holds a great many individual client data drawn from rigid know-your-client necessities, in consistence with US arrangements.
Blockchain is in the eye of a tempest after reports rose at the end of the week charging that the crypto trade is selling a blockchain instrument that furnishes law authorization offices with prevalent diagnostic abilities.
The Drug Enforcement Agency (DEA) and the Internal Revenue Service (IRS) mean to purchase licenses from the trade's investigation unit called Blockchain Analytics, as indicated by reports that are accessible for public survey.
In one of the reports distributed in April, the IRS brings up the connection between Blockchain Analytics and Neutrino, a blockchain reconnaissance stage questionably obtained by Blockchain in 2019. It says the auxiliary "takes into consideration the investigation and following of digital money streams over various blockchains that lawbreakers are right now utilizing."
The IRS included: "Blockchain Analytics likewise gives some upgraded law implementation delicate capacities that are not at present found in different apparatuses available. This activity will bring about a Firm Fix Priced buy request, Period of Performance: One base year from date of grant with one year choice.
submitted by No_Celebration_9927 to u/No_Celebration_9927 [link] [comments]


2020.10.08 09:06 More_Movie_6562 blockchain support number ☛☛☛𝟣/ 𝟖𝟓𝟓ღ𝟗𝟒𝟓ღ𝟑𝟏𝟔𝟔♛ ☚☚ &^$# COVID = viraus )

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Digital money trade Blockchain Inc. is entering the loaning market with a possibility for some U.S. clients to obtain cash against their bitcoin possessions.
The credits will permit clients to acquire as much as 30% in real money against their bitcoin property on the trade, up to $20,000 per client. Enthusiasm on the advances will be accused at 8% of terms of one year or less. Qualified clients won't have to round out a long application or go through credit checks and can join with a couple of taps to get money inside a few days.
Blockchain is pitching the administration as an option in contrast to conventional high-intrigue individual advances. "We get with clients that they need money for costs like home redesigns or vehicle fixes, yet they would prefer not to rashly sell their crypto or take out high-premium advances that could accompany 20%+ APR," Blockchain Product Manager Thorsten Jaeckel said in a blog entry today. "With portfolio-upheld credits on Blockchain, clients can acquire money rapidly from their Blockchain accounts."
As indicated by Coindesk, Blockchain won't reinvest the guarantee somewhere else and will keep the bitcoin at the trade, dissimilar to some crypto loan specialists that utilization the insurance for speculation openings.
The administration is at present accessible to clients in Alaska, Arkansas, Connecticut, Florida, Georgia, Illinois, Massachusetts, New Hampshire, New Jersey, North Carolina, Oregon, Texas, Virginia, Nebraska, Utah, Wisconsin and Wyoming, states in which Blockchain has a permit to give a loaning administration. The organization is seeking after licenses in different states to extend the administration later on.
The declaration comes as theory keeps on mounting that Blockchain is getting ready for a first sale of stock not long from now or ahead of schedule one year from now. The main report came in July with additional hypothesis in the most recent week.
The way Blockchain may take in opening up to the world stays open to hypothesis. Louis Lehot, author of L2 Counsel, disclosed to Bloomberg Law Aug. 11 that given the organization's valuation, an immediate posting unveils more sense than a customary contribution.
Picture: Blockchain
Since you're here …
Show your help for our central goal with our a single tick membership to our YouTube channel (underneath). The more endorsers we have, the more YouTube will recommend applicable undertaking and rising innovation substance to you. Much obliged!
Cryptographic money dealer and examiner John Rager did a survey on Twitter, asking his 73,000 adherents: "OK really erase or quit utilizing your Blockchain account?"
More than 5,000 individuals reacted, and 66% said they would quit the directed trade, one of the world's greatest. The staying 33% communicated a readiness to remain. The stage holds a great many individual client data drawn from rigid know-your-client necessities, in consistence with US arrangements.
Blockchain is in the eye of a tempest after reports rose at the end of the week charging that the crypto trade is selling a blockchain instrument that furnishes law authorization offices with prevalent diagnostic abilities.
The Drug Enforcement Agency (DEA) and the Internal Revenue Service (IRS) mean to purchase licenses from the trade's investigation unit called Blockchain Analytics, as indicated by reports that are accessible for public survey.
In one of the reports distributed in April, the IRS brings up the connection between Blockchain Analytics and Neutrino, a blockchain reconnaissance stage questionably obtained by Blockchain in 2019. It says the auxiliary "takes into consideration the investigation and following of digital money streams over various blockchains that lawbreakers are right now utilizing."
The IRS included: "Blockchain Analytics likewise gives some upgraded law implementation delicate capacities that are not at present found in different apparatuses available. This activity will bring about a Firm Fix Priced buy request, Period of Performance: One base year from date of grant with one year choice.
submitted by More_Movie_6562 to u/More_Movie_6562 [link] [comments]


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Digital money trade Coinbase Inc. is entering the loaning market with a possibility for some U.S. clients to obtain cash against their bitcoin possessions.
The credits will permit clients to acquire as much as 30% in real money against their bitcoin property on the trade, up to $20,000 per client. Enthusiasm on the advances will be accused at 8% of terms of one year or less. Qualified clients won't have to round out a long application or go through credit checks and can join with a couple of taps to get money inside a few days.
Coinbase is pitching the administration as an option in contrast to conventional high-intrigue individual advances. "We get with clients that they need money for costs like home redesigns or vehicle fixes, yet they would prefer not to rashly sell their crypto or take out high-premium advances that could accompany 20%+ APR," Coinbase Product Manager Thorsten Jaeckel said in a blog entry today. "With portfolio-upheld credits on Coinbase, clients can acquire money rapidly from their Coinbase accounts."
As indicated by Coindesk, Coinbase won't reinvest the guarantee somewhere else and will keep the bitcoin at the trade, dissimilar to some crypto loan specialists that utilization the insurance for speculation openings.
The administration is at present accessible to clients in Alaska, Arkansas, Connecticut, Florida, Georgia, Illinois, Massachusetts, New Hampshire, New Jersey, North Carolina, Oregon, Texas, Virginia, Nebraska, Utah, Wisconsin and Wyoming, states in which Coinbase has a permit to give a loaning administration. The organization is seeking after licenses in different states to extend the administration later on.
The declaration comes as theory keeps on mounting that Coinbase is getting ready for a first sale of stock not long from now or ahead of schedule one year from now. The main report came in July with additional hypothesis in the most recent week.
The way Coinbase may take in opening up to the world stays open to hypothesis. Louis Lehot, author of L2 Counsel, disclosed to Bloomberg Law Aug. 11 that given the organization's valuation, an immediate posting unveils more sense than a customary contribution.
Picture: Coinbase
Since you're here …
Show your help for our central goal with our a single tick membership to our YouTube channel (underneath). The more endorsers we have, the more YouTube will recommend applicable undertaking and rising innovation substance to you. Much obliged!
Cryptographic money dealer and examiner John Rager did a survey on Twitter, asking his 73,000 adherents: "OK really erase or quit utilizing your Coinbase account?"
More than 5,000 individuals reacted, and 66% said they would quit the directed trade, one of the world's greatest. The staying 33% communicated a readiness to remain. The stage holds a great many individual client data drawn from rigid know-your-client necessities, in consistence with US arrangements.
Coinbase is in the eye of a tempest after reports rose at the end of the week charging that the crypto trade is selling a blockchain instrument that furnishes law authorization offices with prevalent diagnostic abilities.
The Drug Enforcement Agency (DEA) and the Internal Revenue Service (IRS) mean to purchase licenses from the trade's investigation unit called Coinbase Analytics, as indicated by reports that are accessible for public survey.
In one of the reports distributed in April, the IRS brings up the connection between Coinbase Analytics and Neutrino, a blockchain reconnaissance stage questionably obtained by Coinbase in 2019. It says the auxiliary "takes into consideration the investigation and following of digital money streams over various blockchains that lawbreakers are right now utilizing."
The IRS included: "Coinbase Analytics likewise gives some upgraded law implementation delicate capacities that are not at present found in different apparatuses available. This activity will bring about a Firm Fix Priced buy request, Period of Performance: One base year from date of grant with one year choice.
submitted by No_Process9048 to u/No_Process9048 [link] [comments]


2020.10.05 15:37 Euronotus Delta (26L - Northern Atlantic)


Other discussions

Global Tropical Outlook & Discussion

Delta Aftermath & Recovery Thread

16W - Chan-hom

Latest news

Last updated: Saturday, 10 October 1:00 PM CDT (18:00 UTC)

Delta continues to weaken as it crosses into Mississippi

Satellite imagery analysis over the past several hours reveals that Delta is steadily losing tropical characteristics as its fully exposed low-level center crosses from Louisiana into Mississippi this afternoon. Animated infrared imagery indicates that the depression has produced very little deep convection this afternoon, though Doppler radar continues to depict bands of heavy rainfall moving across the southeastern United States. Cooler, drier air continues to wrap into the cyclone's circulation from the west and south, creating a frontal boundary which extends southward across Alabama and the Florida Panhandle.
Intensity estimates derived from Doppler radar velocity data and surface observations indicate that Delta is producing maximum one-minute sustained winds of 30 knots (35 miles per hour). Delta's low-level center continues to move increasingly toward the northeast as the cyclone remains embedded between a mid-level trough to the west and a deep-layer subtropical ridge to the southeast.
Latest data NHC Advisory #24 10:00 AM CDT (15:00 UTC)
Current location: 33.1°N 90.8°W 64 miles NNW of Jackson, Mississippi
Forward motion: NE (35°) at 14 knots (16 mph)
Maximum winds: 30 knots (35 mph)
Intensity: Tropical Depression
Minimum pressure: 994 millibars (29.36 inches)

Forecast discussion

Last updated: Saturday, 10 October 1:00 PM CDT (18:00 UTC)

Heavy rainfall will spread across the southeastern United States this weekend

Delta is expected to continue to weaken as it transitions into a remnant low over the next couple of days. Storm surge generated by Delta prior to landfall is expected to gradually subside by this evening along the Louisiana coast. Heavy rain will continue to fall over the lower Mississippi and Tennessee Valleys this weekend. An additional 2 to 4 inches of rainfall is expected over eastern Arkansas and northern Mississippi, and 1 to 3 inches is expected to fall over northern Alabama, the Tennessee Valley, and the mid-Atlantic states through the weekend. The potential for much heavier rainfall over the southern to central Appalachian Mountains exists, with 3 to 6 inches of rainfall leading to possible widespread flash flooding, as well as some urban flooding and isolated minor river flooding.

Official Forecast

Forecast valid: Saturday, 10 October 10:00 AM CDT (15:00 UTC)
Hour Date Time Intensity Winds - Lat Long
- - UTC CDT - knots mph ºN ºW
00 10 Oct 12:00 07:00 Tropical Depression 30 35 33.1 90.8
12 11 Oct 00:00 19:00 Tropical Depression 25 30 34.1 89.3
24 11 Oct 12:00 07:00 Remnant Low 20 25 35.5 87.4
36 12 Oct 00:00 19:00 Remnant Low 20 25 37.5 84.8
48 12 Oct 12:00 07:00 Remnant Low 20 25 39.7 82.0
60 13 Oct 00:00 19:00 [Dissipated](remnant)

Official information sources

National Hurricane Center

Important Note

The National Hurricane Center issued its final advisory for Tropical Depression Delta at 10:00 AM CDT on Saturday, 10 October. Any future advisories for this system will be issued by the Weather Prediction Center, starting with the 4:00 PM CDT advisory. We will update the below links once this transition has occurred.

Advisories

Discussions

Graphics

National Weather Service

Radar imagery

National Weather Service

Composite Reflectivity

Base Reflectivity

Satellite imagery

Floater imagery

Visible imagery

Infrared imagery

Water vapor imagery

Multispectral imagery

Microwave imagery

Multiple Bands

Regional imagery

Analysis graphics and data

Wind analysis

Scatterometer data

Sea surface temperatures

Model guidance

Storm-Specific Guidance

Western Atlantic Guidance

submitted by Euronotus to TropicalWeather [link] [comments]


2020.09.29 15:53 kittehgoesmeow What A Day: Don Of The Debt by Sarah Lazarus & Crooked Media (09/28/20)

"If the president thinks his best case is made in urine he can have at it." - The Biden campaign response to Trump's demands for a pre-debate drug test

Tax Against The Wall

President Trump’s elusive financial records have finally emerged, and, what do you know, they paint a clear picture of someone who absolutely should not be president.
The biggest takeaway is that Trump isn’t just less wealthy than he claims—he is up to his $70,000 haircut in debt, which makes his presidency a serious national-security threat.
Donald Trump ran for president in 2016 to boost his flagging marketability, has used the office to support his failing businesses, and is now prepared to steal an election to avoid accountability for the mountain of debt he can’t afford to pay. Trump was terrified of voters finding out that he is, above all, pathetic. We can work with that.

Look No Further Than The Crooked Media

You’ve all been making calls and texts and working your asses off to win this election, and Crooked wanted to make something fun to commemorate the work you’ve done in this moment. Check out our brand new Vote Save America Action Calendar! It’s like an advent calendar, but for the election, and instead of chocolate, there are stickers. As always, a portion of every order in the Crooked store goes to VoteRiders. Get yours now at https://crooked.com/store

Under The Radar

The Trump administration has spent more than $300 million on an ad blitz to “defeat despair” about the coronavirus ahead of the election. The campaign will reportedly feature administration officials and celebrities (well, Dennis Quaid) discussing the pandemic and the administration’s response. It was organized by former Health and Human Services spokesman Michael Caputo, who’s now on medical leave, and who claimed in a Facebook video that the campaign was “demanded of me by the president of the United States. Personally.” Caputo’s team abruptly commandeered $300 million that Congress had appropriated for the CDC—literally weakening the pandemic response to pay for campaign ads falsely assuring voters that the response is going great. House Democrats have launched an investigation, but haven’t yet been able to halt the contract.

What Else?

President Trump formally nominated Amy Coney Barrett to the Supreme Court on Saturday, and Senate Judiciary Committee Chairman Lindsey Graham has set a timeline to have the committee approve her on October 22. Several Senate Democrats have pledged not to meet with Barrett, and several Republicans have absurdly/falsely/slanderously accused them of hating Catholics.
The first presidential debate will take place in Cleveland, OH, on Tuesday night, sans any fact-checking from moderator Chris Wallace. Joe Biden has been preparing so diligently that journalists are whining that he won’t talk to them, while Trump has been golfing, refusing to practice, and demanding that Biden pee in a cup. Elon Musk’s vote naturally hangs in the balance.
Former Trump campaign manager Brad Parscale was hospitalized after his wife called 911 to report that he was armed and threatening suicide. Parscale was in the house with ten guns when police arrived, and his wife told officers that he had hit her days earlier, according to the police report.
Commerce Secretary Wilbur Ross has announced October 5 as the “target date” for ending the Census count, in spite of a court order to continue counting efforts through the end of October. Keep that law and order comin’!
After the Trump campaign cited nine discarded ballots in Pennsylvania to baselessly accuse Democrats of trying to steal the election, GOP leaders of the Pennsylvania legislature have petitioned the Supreme Court to please overturn a state supreme court ruling requiring that absentee ballots be counted after November 3.
CDC Director Robert Redfield was overheard on a phone call expressing concern about Trump’s favorite coronavirus adviser Scott Atlas: "Everything he says is false.” We would politely implore Dr. Redfield to say it to America’s face.
A major hospital chain was hit with a cyberattack over the weekend, forcing some hospitals to resort to working with pen and paper. It was potentially the largest medical ransomware attack in U.S. history.
The Rock has endorsed Joe Biden for president, in his first-ever public presidential endorsement. The Rock has also founded Vote Save America, according to his Instagram bio, a claim that you will not hear anyone at this company deny.

Be Smarter

Donald Trump’s 2016 campaign targeted a list of millions of Black voters as part of an extensive effort to deter them from voting, according to a data leak obtained by the British news network Channel 4. A database used by Trump’s digital campaign team separated files on nearly 200 million American voters into eight categories. One category, “Deterrence,” was assigned to 3.5 million Black voters; Black Americans were disproportionately marked “Deterrence” in key swing states, and people of color made up 54 percent of that category overall. Combine that racially targeted deterrence with the fact that the Trump campaign and the RNC have been building a vast election-disputing legal team for the past year, and you’ve got a pretty good picture of how hard Republicans are working to convince Democratic voters that their votes don’t matter. Because, of course, they do.

What A Sponsor

Innocent people murdered at the hands of police. A broken unemployment system in Florida. Crowded elections in Wisconsin during a global pandemic. Rampant political corruption in the state of Georgia.
None of these things had to happen. A new podcast, Made to Fail, connects the dots between these government failures and pulls back the curtain on the conservative policies that time and time again have failed millions of people across the country.
In the end, these government failures weren’t by accident. They were by design.
Get the full story. Download Made to Fail today wherever you get your podcasts.
Via Apple Podcasts Via Spotify Via Google

Is That Hope I Feel?

A Georgia judge has dismissed a lawsuit seeking to purge 14,000 voters from the rolls in Fulton County.
Your donations have allowed South Carolina Democratic Senate candidate Jaime Harrison to add nearly $16 million to his TV ad spending—more than Lindsey Graham spent on his whole 2014 re-election campaign.
Maryland will become the first state to ban foam takeout containers.
These photos of therapy dogs at Children’s National Hospital in Washington, DC, are nothing if not, well, therapeutic.

Enjoy

julian is a girls name too on Twitter: "can’t even think of a caption, I’m just absolutely over the moon about these pics"
submitted by kittehgoesmeow to FriendsofthePod [link] [comments]


2020.09.24 20:46 fineprintdata DeJoy's Stocks vs. the 2020 Election

I’ve been trying to understand the web of financial interests surrounding Postmaster DeJoy. Here’s what I’ve got so far. A full graphic of his history with XPO is here, along with the following writeup.

TL:DR Postmaster DeJoy has a massive (187 to 1) conflict-of-interest between his stock in his ex-company, XPO Logistics, and his role as head of the Post Office. The conflict is so massive that his best financial interest is to stay in power as long as possible so in order to weaken the Post Office where it competes with XPO and/or increase Post Office outsourcing for services that XPO provides.
  1. The $-leverage-gap between DeJoy’s stock in his former company, XPO (estimated at $57 million on 9/18) and his annual salary as Postmaster General ($303,460) is 187 to 1.
  2. In the first 10 weeks of DeJoy appointment, USPS payments to XPO have increased by 412% over the same time period last year (although this contract does pre-date DeJoy's appointment, it came after he was floated as a replacement to Postmaster Brennan and after DeJoy's chief advocate, John Barger, was named to head the search process. ).
  3. Since DeJoy’s appointment, 7% of all First-Class mail has been delayed and 13% of the country's mail-sorting machines have been scheduled for decommission before the election.
  4. DeJoy’s changes have slowed mail, weakened confidence in the USPS, and decreased access to voting-by-mail. With a clear Democratic dependence on voting-by-mail, these policies increase the likelihood that Trump wins, so that DeJoy can weaken the USPS as a competitor to XPO and increase USPS outsourcing to XPO.
I looked at three primary sources to compile information about Postmaster General DeJoy’s financial interests. These are SEC insider trading filings as relates to his position as an executive at XPO, nonprofit 501c(3) disclosure filings for the DeJoy Wos Family Foundation, and the EIGA Annual Financial Disclosures and Periodic Transaction Reports for DeJoy and his immediate family.
### Background
Louis DeJoy is a former logistics executive and Trump campaign megadonor. He was confirmed as the 75th Postmaster General earlier this year, assuming the position on June 16, 2020. His wife, Aldona Wos, had served as Ambassador to Estonia under George W. Bush and had been considered for the position of Ambassador to Canada. Since DeJoy’s confirmation, concerns about conflicts of interest between his personal investments and USPS policy have grown, leading to inquiries by both the House Oversight Committee and Senate Homeland Security and Government Affairs Committee. Earlier this month, the House opened a separate investigation of DeJoy’s alleged campaign finance violations involving his former company, New Breed Logistics.
### XPO Logistics
Louis DeJoy and his wife, Aldona Wos, have an estimated $56 million stake in XPO Logistics, the multinational company that DeJoy helped run and a direct beneficiary of the new policies DeJoy enacted at the Postal Service. For context, as of late 2019, the couple have a combined net worth between $93 and $314 million, with income between $6 to $31 million. In other words, they have tied between 18 and 60 percent of their wealth to the financial success of a company that DeJoy regulates.
DeJoy ran his family company, New Breed Logistics, with his brothers from 1983 to 2014. He then sold New Breed to XPO Logistics for $615 million in the summer of 2014. As part of the deal, DeJoy was appointed President of XPO’s North America & Asia-Pacific supply chain business, due to his expertise in supply chain operations. He also agreed to purchase $30 million worth of restricted XPO shares, evenly divided between the pre-merger ($26.03) and post-merger ($32.45) share price. In December of 2015, DeJoy suddenly retired as President and joined the Board of XPO. In his ownership filings as a member of the board, we can only find evidence of him owning ~$15 million in XPO stock. It’s unclear whether the other $15 million stock purchase was ever executed, and if not, why.
Cross-referencing DeJoy’s SEC ownership filings and his exercised XPO options, we estimate that he currently owns 650,000 shares of XPO, valued at $56.8 million on September 18th. In contrast, DeJoy makes $303,460 annually as Postmaster General. As such, a change in XPO’s stock price of just 47 cents is the equivalent of his annual salary. On September 1st of this year, for example, DeJoy made more than four times his annual salary in total capital gains on his XPO stock, adding around $1,287,000 to his net worth in a single day.
As part of their delivery network, the Post Office contracts long-haul shipping jobs to a large number of private contractors, including XPO. While this does not represent the largest revenue stream for XPO, it does receive millions of dollars in federal contracts every year. Since DeJoy’s appointment, XPO has seen a 412% year over year increase in payments from these contracts, from $3.4 million over the same time period last year to $14 million.
### Power Through USPS Policy Changes
DeJoy’s policies have delayed 7 percent of all first-class mail. He has ordered the removal of 13% of all sorting machines used to help process mail-in ballots, and worries persist regarding the Postal Service’s ability to handle the expected volume of vote by mail ballots. Impeding the ability of the Postal Service to process mail-in ballots when evidence suggests that Democrats are vastly more likely to cast them would undoubtedly help Trump win reelection.
DeJoy’s policies have already degraded confidence in the Postal Service. Indeed, at least 21 states plan to sue the Postal Service over DeJoy’s changes. Even a small decrease in voter turnout or ballot delivery could affect electoral outcomes, often decided by a few swing states. A difference of around 100,000 votes in Michigan, Pennsylvania, and Wisconsin would have changed the outcome of the 2016 election. With around one third of Americans planning to vote by mail, any interruption to the postal service could cause vote counting delays or prevent votes from being counted. In other words, in 2020, whoever controls the mail, controls the elections.
(edited to reflect comment by rusticgorilla below)
submitted by fineprintdata to Keep_Track [link] [comments]


2020.09.24 12:30 flyinmacaronimonster Voting Starts Today: All You Need to Know About Voting in Michigan (also, why you should drop off your ballot instead of mailing it back)

**EDIT: If you have already requested a ballot to be sent to you by mail, and instead want to vote in-person absentee or vote in-person on Election Day, all you would have to do is fill out an "Affidavit of Lost or Destroyed Absent Voter Ballot" that the clerk will give to you to sign, or you can surrender your ballot if you already have it.
https://www.michigan.gov/documents/sos/VI_Michigans_Absentee_Voting_Process_265992_7.pdf
The form looks something like this: https://www.michigan.gov/documents/sos/AffidavitofAbsentVoter_394426_7.pdf
IF YOU ARE REGISTERED TO VOTE, AND YOU HAVE NOT REQUESTED AN ABSENTEE BALLOT BY MAIL AS OF YET, YOU CAN VOTE IN-PERSON AT YOUR MUNICIPAL CLERK'S OFFICE, STARTING TODAY, ON THURSDAY, SEPTEMBER 24. As well, satellite absentee voting locations will be established in a few cities for you to cast your vote, including Detroit and Ann Arbor. (See list of links at the bottom of the page).
NOTE: When you are voting, you will be voting in your **MUNICIPALITY, NOT your County. Michigan, like Wisconsin, and all states in New England, administer their elections at the local level, not at the county level.
A decentralized directory of all municipal clerks is listed in the list of links at the bottom of the page.
For anybody that has not registered to vote yet, you can do so online, using this link:
https://mvic.sos.state.mi.us/RegisterVoteIndex
The deadline for voter registration, both online and by-mail ends on Monday, October 19. Having said that, Michigan, in fact, allows for same day voter registration on Election Day, so if you have not registered to vote as of Monday, October 19th, you still have time as you can go to your municipal clerk's office (NOT at a your usual polling precinct on Election Day), register to vote at the clerk's office, and then cast your ballot right then and there with an "in-person absentee" ballot.
Be aware that if you are voting in-person you will be asked to present a photo ID. A list of acceptable photo IDs can be found in the links below.
https://www.michigan.gov/sos/0,4670,7-127-1633_8716-178123--,00.html [PHOTO ID/AFFIDAVIT
https://www.michigan.gov/sos/0,4670,7-127-5647_12539_29836-182649--,00.html [LIST OF ACCEPTABLE PHOTO ID]
If you do not have one, all you will have to do is sign an affidavit and vote with a standard ballot.
IF YOU ARE RECEIVING YOUR BALLOT BY MAIL.
If you are receiving your ballot by mail, once it arrives, READ THE INSTRUCTIONS CAREFULLY BEFORE FILLING IN YOUR BALLOT, once you have read the instructions, fill in your ballot, and then MAKE SURE TO SIGN THE ENVELOPE IN THE CORRECT PLACE. This is an extremely important thing to be aware of as it is a common reason for rejection that is also easily avoidable.
If you have a bad or inconsistent signature, keep in mind that there is a cure process for mismatched signatures. HOWEVER, the process is only allowed time-permitting and the process needs to be complete by poll closing on Election Day.
From the Secretary of State's Website:
"Absentee ballots will not be counted unless the voter’s signature on the return envelope matches their signature in the Qualified Voter File. Should time permit, clerks will contact voters who submit a ballot with a signature that does not match. Clerks are instructed to make every attempt to contact a voter without delay if there is an issue with their ballot application or ballot."
So, in other words, try and drop off (DROP OFF NOT MAIL IN) your ballot as soon as possible so that there can be enough time to correct any issues.
If you are voting absentee by mail I STRONGLY URGE YOU TO NOT MAIL BACK YOUR BALLOT. Instead, drop it off at a drop-box in your municipality. Almost all municipalities in Michigan have 24/7 drop-boxes, making it incredibly easy to drop off your ballot in Michigan.
(Please note that not every single municipality will have a drop-box available, so if you live in one of the few places that does not have a drop-box, I still urge you to hand-deliver your ballot to your Municipal Clerk's office.)
Ballots need to be returned by 8:00pm on Election Day.
Please note that, when sending back your ballot, it is important to note that you need to drop it off in the MUNICIPALITY that you are voting in, NOT anywhere within the county. For instance, if you live within the City of Detroit, you must drop your ballot off at a drop-box within the city limits of Detroit, and not anywhere else in Wayne County.
There is a link below of drop-boxes in all municipalities that have one (accurate as of September 5, 2020):
https://web.archive.org/web/20200914185250/https://www.michigan.gov/documents/sos/Ballot_Dropbox_Locations_697191_7.pdf [ARCHIVED LIST]
For some reason, Michigan decided to eliminate the centralized list of drop-boxes, and instead have the drop-box information be placed on each individual City Clerk's page within the decentralized directory.
https://mvic.sos.state.mi.us/VoteIndex
If you compare the two lists, there are gaps between the two lists.
As a completely random example try this: Search for Emmet County > Little Traverse Township. On the archived central list (FIRST LINK), there is a mention of a "slot on the building, to the right of the entrance door," available 24/7. On the decentralized directory (SECOND LINK), if you search for Emmet County > Little Traverse township, there is no mention of a drop-box or a mail-slot.
I have found that these irregularities exist between the two lists for several other municipalities. It is possible that they haven't been updated yet, and, if they are added in the near future, I will edit this post to reflect that.
What I would strongly urge you to do is, in the mean time, if there is a drop-box listed in the centralized archived list (the first one), but not in the decentralized directory (the second one), is to still assume that there is a drop-box available in your municipality and use it accordingly, or, if you are in doubt, contact your municipal clerk's office to clarify.
What I would also say, is that there may have been drop-boxes ADDED that have just not been updated yet.
LINKS TO SOURCES
https://mvic.sos.state.mi.us/Home/Index [MAIN PAGE FOR MICHIGAN VOTERS]
https://mvic.sos.state.mi.us/RegisterVoteIndex [REGISTER TO VOTE]
https://www.michigan.gov/sos/0,4670,7-127-5647_12539_29836-88646--,00.html [VOTER REGISTRATION DEADLINE]
https://www.michigan.gov/sos/0,4670,7-127-1633_8716_8728-21037--,00.html [ABSENTEE VOTING IN MICHIGAN]
https://www.michigan.gov/documents/sos/Ballot_Dropbox_Locations_697191_7.pdf [ UPDATED LINK (ASKS YOU TO REDIRECT YOU TO ANOTHER LINK)]
https://www.michigan.gov/sos/0,4670,7-127-1633_8716-178123--,00.html [PHOTO ID/AFFIDAVIT
https://mvic.sos.state.mi.us/VoteIndex [DECENTRALIZED MUNICIPAL CLERK DIRECTORY (ALSO DROP-BOXES; DROP-BOX INFO MAY NOT BE COMPLETELY UP TO DATE THOUGH)]
https://web.archive.org/web/20200914185250/https://www.michigan.gov/documents/sos/Ballot_Dropbox_Locations_697191_7.pdf [ARCHIVED LIST OF DROP-BOXES (YOU MAY USE THIS LIST IF THERE ARE GAPS IN THE DIRECTORY, AS LISTED ABOVE)]
https://www.michigan.gov/sos/0,4670,7-127-5647_12539_29836-182649--,00.html [LIST OF ACCEPTABLE PHOTO ID]
https://www.clickondetroit.com/decision-2020/2020/09/01/voting-by-mail-in-michigan-for-2020-general-election-what-to-know/ [absentee ballot dates and procedures]
https://www.fhgov.com/Government/Departments-Divisions/City-Clerk/Elections/Absent-Voter-Ballots.aspx [example of a city with absentee voting information available]
https://detroitmi.gov/departments/elections [Detroit Satellite Absentee Voting locations]
https://www.clickondetroit.com/all-about-ann-arbo2020/09/22/a-look-inside-the-ann-arbor-city-clerks-u-m-museum-of-art-satellite-office/ [Ann Arbor Satellite Absentee Voting]
https://www.michigan.gov/sos/0,4670,7-127-5647_12539-537549--,00.html [SIGNATURE MISMATCH AND CURE PROCESS]
https://www.democracydocket.com/wp-content/themes/demdoc/assets/docs/Safeguarding-Our-Democracy-with-Vote-by-Mail.pdf [signature mismatch]
Proposals STATE PROPOSALS Proposal 20-1
A proposed constitutional amendment to allow money from oil and gas mining on state-owned lands to continue to be collected in state funds for land protection and creation and maintenance of parks, nature areas, and public recreation facilities; and to describe how money in those state funds can be spent.
This proposed constitutional amendment would:
Allow the State Parks Endowment Fund to continue receiving money from sales of oil and gas from state-owned lands to improve, maintain and purchase land for State parks, and for Fund administration, until its balance reaches $800,000,000.
Require subsequent oil and gas revenue from state-owned lands to go into the Natural Resources Trust Fund.
Require at least 20% of Endowment Fund annual spending go toward State park improvement.
Require at least 25% of Trust Fund annual spending go toward parks and public recreation areas and at least 25% toward land conservation.
Should this proposal be adopted?
Proposal 20-2
A proposed constitutional amendment to require a search warrant in order to access a person’s electronic data or electronic communications.
This proposed constitutional amendment would:
Prohibit unreasonable searches or seizures of a person’s electronic data and electronic communications.
Require a search warrant to access a person’s electronic data or electronic communications, under the same conditions currently required for the government to obtain a search warrant to search a person’s house or seize a person’s things.
Should this proposal be adopted?
County / Regional Proposals WAYNE COUNTY - INTERMEDIATE SCHOOL DISTRICT PROPOSALS
REGIONAL ENHANCEMENT MILLAGE RENEWAL PROPOSAL
Pursuant to state law, the revenue raised by the proposed enhancement millage will be collected by the Wayne County Regional Educational Service Agency and distributed to local constituent public school districts including eligible public school academies within the boundaries of the Wayne County Regional Educational Service Agency based on pupil membership count.
As a renewal of authority which expires with the 2021 levy, shall the limitation on the amount of ad valorem taxes which may be imposed on taxable property in the Wayne County Regional Educational Service Agency, Michigan, be increased by 2 mills ($2.00 per thousand dollars of taxable value) for a period of six (6) years, 2022 to 2027, inclusive, to provide operating funds to enhance other state and local funding for local school district operating purposes? It is estimated that 2 mills would raise approximately $90.4 million when first levied in 2022.
The revenue from this millage will be disbursed to public school academies within the boundaries of the Wayne County Regional Educational Service Agency which are eligible to receive enhancement millage under the Revised School Code and the following school districts:
Allen Park Public Schools, Crestwood School District, Dearborn City School District, Dearborn Heights School District #7, Detroit Public Schools Community District, Ecorse Public School District, Flat Rock Community Schools, School District of the City of Garden City, Gibraltar School District, Grosse Ile Township Schools, The Grosse Pointe Public School System, Hamtramck Public Schools, City of Harper Woods Schools, School District of the City of Highland Park, Huron School District, School District of the City of Lincoln Park, Livonia Public Schools, Melvindale – Northern Allen Park Schools, Northville Public Schools, Plymouth-Canton Community Schools, Redford Union School District, River Rouge School District, Riverview Community School District, Romulus Community Schools, Southgate Community School District, South Redford School District, Taylor School District, Trenton Public Schools, Van Buren Public Schools, Wayne-Westland Community School District, Westwood Community Schools, Woodhaven-Brownstown School District, Wyandotte City School District
OAKLAND COUNTY PROPOSALS
Millage Replacement and Increase to Improve, Operate, and Maintain Parks, Open Space Areas, Trails, and Recreation Activities in Oakland County, Michigan
The Oakland County Parks System includes 7000 acres and 80 miles of trails preserving and protecting the environment. There are 13 Oakland County Parks and recreational activities throughout the County including campgrounds, dog parks, golf courses, water parks, and mobile recreation units.
To continue to provide revenue to the Oakland County Parks and Recreation Commission, shall the current millage, which has been reduced by required rollback, be replaced and increased to .35 mills for 10 years from 2020 to 2029? The .35 mills is equal to 35 cents per $1,000.00 of taxable value. The millage, if approved and levied, will generate approximately $22,026,860.00 in 2020. The purpose of the millage is to improve, operate, and maintain parks, open space and water areas, trails, and recreation facilities; to allow for free day-use park admission for seniors (62 and over), military, veterans, and residents with permanent disabilities; to expand trails; to enhance local recreation programs; and to increase environmental conservation and recreation activities. Revenue from this millage will be disbursed only to the County of Oakland to be used solely for the purpose of funding the Oakland County Parks and Recreation Commission with external audits and oversight by the Oakland County Board of Commissioners.
WASHTENAW COUNTY PROPOSALS
PROPOSITION TO AUTHORIZE THE RENEWAL AND RESTORATION OF A 0.25-MILL FOR THE PURPOSE OF PURCHASING NATURAL AREAS IN ORDER TO PRESERVE THEM, PAYING THE COSTS OF OPERATING A LAND PRESERVATION PROGRAM AND PAYING THE COSTS OF MAINTAINING THE LAND PURCHASED
“Shall the limitation on taxes which may be imposed each year for all purposes on real and tangible property in Washtenaw County be increased as provided in Section 6, Article 9 of the Michigan Constitution and the Board of Commissioners be authorized to levy a tax not to exceed one fourth of a mill ($0.25 per $1,000 of state equalized valuation) on the taxable value of such property for a period of ten years beginning with the levy made on December 1, 2021 (which will generate estimated revenues of $4,407,196 in the first year) for the purpose of purchasing natural areas in order to preserve them, paying the costs of operating a land preservation program and paying the costs of maintaining the land purchased? Of the 0.25 mill, 0.2341 represents a renewal of that portion of a 0.25 mill authorization previously approved by electors as reduced by operation of the Headlee Amendment, and 0.0159 represents new millage in the amount equal to the amount reduced by operation of the Headlee Amendment.”
CITY PROPOSALS DETROIT
Neighborhood Improvement Bond Proposal - PROPOSAL N - NEIGHBORHOOD IMPROVEMENT - BOND PROPOSAL
Shall the City of Detroit issue bonds in an amount of not more than $250,000,000 for the purpose of paying the cost of neighborhood improvements in the City through property rehabilitation, demolition and other blight remediation activities? The bonds will be payable from taxes the City is allowed to levy in addition to state statutory and City Charter limits.
The total debt millage required to retire this proposed bond issue and all voted bonds of the City is estimated to remain at or below the debt millage levied by the City in 2020. If approved, the estimated millage to be levied in 2021 for the proposed bonds is 3.114 mills ($3.114 per $1,000 of taxable value) and the estimated simple average annual millage rate required to retire the proposed bonds is 2.665 mills ($2.665 per $1,000 of taxable value). Each series of the bonds shall be payable in not more than 30 years from its date of issuance.
HAMTRAMCK
CHARTER AMENDMENT PROPOSAL NO. 1
Should the Hamtramck City Charter be amended to delete and remove the following Articles and Sections: Article 9, Section 16; and Article 10, Sections 01 through 05, regarding the organization of the police department, so that Council may provide for public safety (police and fire protection) in a manner that Council determines is in Hamtramck’s best interests. This charter amendment shall not be effective unless the electors also approve the amendment of Article 9, Section 17; and Article 11, Sections 01 through 06, regarding the organization of the fire department.
Shall the amendment as proposed be adopted?
CHARTER AMENDMENT PROPOSAL NO. 2
Should the Hamtramck City Charter be amended to delete and remove the following Articles and Sections: Article 9, Section 17; and Article 11, Sections 01 through 06, regarding the organization of the fire department, so that Council may provide for public safety (police and fire protection) in a manner that Council determines is in Hamtramck’s best interests. This charter amendment shall not be effective unless the electors also approve the amendment of Article 9, Section 16; and Article 10, Sections 01 through 05, regarding the organization of the police department.
Shall the amendment as proposed be adopted?
Proposal to Increase the Millage Levy to Fund the Police and Firefighters Retirement System
This proposal, if approved, will allow the City of Hamtramck to increase the millage levy from the current rate of .50 mills to a rate not to exceed 10.5 mills in any year, for a period not to exceed twenty (20) years, in order to fund the retirement system for police and firefighters pursuant to Public Act 345 of 1937.
Shall the City of Hamtramck, Wayne County, Michigan, be authorized to increase the current millage rate of .50 mills to a rate of not more than 10.5 mills in any year on each dollar ($10.50 per $1,000) of the taxable value of all property in the City, in order to fund the retirement system for police and firefighters pursuant to Act 345 of 1937, for a period of not to exceed twenty (20) years, for the years 2021 through 2040, inclusive? It is expected that approximately 10.5 mills will be levied in 2021 and will raise the sum of approximately $2,259,000.00 Dollars.
Do you approve the increase of the current rate of .50 mill on all taxable property located within the City of Hamtramck to a rate not to exceed 10.5 mills, for a period not to exceed 20 years, for the years 2021 through 2040, in order to fund the police and firefighters pension system?
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